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Business First Plus

Non-stop productivity with our business mobile plan

Enjoy double the data!

Experience non-stop productivity with Business First Plus

Fuel your business communications with non-stop connectivity and elevated productivity with plans designed to keep you hyper-connected in today’s digital landscape. Plans include generous data allowances, local and international minutes, CUG (Call user group) mins, flexi SMS, carryforward features, and more.

Additionally, benefit from up to 500MB of free daily data for Zoom, Microsoft Teams, and other pre-approved productivity apps.

• Local & International  

double data offer

Business first plus local 110.

5% VAT Excluded

Subscribe online and get 2x the local data allocation for the first 4 months.

900 Local Minutes

- International Minutes

Data for Productivity: An additional 250MB will be added to your daily data allowances for the exclusive use of pre-approved productivity apps.

Closed User Group (CUG) minutes are intra-company calling minutes allowing subscribers to make and receive calls within their designated group.

The Carryforward Feature enables you to carry over all your monthly base plan's unused minutes, local or international, across 3 months.

110 Flexi SMS

eStore Website Builder

12-Months Contract

BUSINESS FIRST PLUS Local 150

1,100 Local Minutes

Data for Productivity: An additional 500MB will be added to your daily data allowances for the exclusive use of pre-approved productivity apps.

150 Flexi SMS

BUSINESS FIRST PLUS Local 200

Subscribe Online: All new online subscriptions would benefit from doubled local and/or international minutes for the first three months of plan activation. After three months, plan is downgraded to the original plan purchased.

200 Flexi SMS

BUSINESS FIRST PLUS Standard 110

500 Local Minutes

300 International Minutes

eStore WebsiteBuilder

BUSINESS FIRST PLUS Standard 150

550 Local Minutes

350 International Minutes

BUSINESS FIRST PLUS Standard 200

500 International Minutes

Important to Know

Required Documents to Apply for Business First Plus Plan

• Valid Copy Of Trade License 
• Passport Copy With Valid UAE Visa Of Individual, As Authorised By Company
• Emirates ID Copy Of Individual, As Authorised By Company
• Letter Of Authority
• Establishment Card

Contract durations is as per agreed original contract period between the client and Etisalat with two options being available: No Contract and 12-Month Contract.

Billing Frequency : Monthly

All prices shown are excluding of 5% VAT charge.

A hassle-free upgrade/migration to any other Business First Plus & Business Xtreme Plans can be done without any exit charges.

International minutes allowances are applicable to multiple destinations. Click here   to view the list of applicable countries.

Flexi SMS covers local & international SMS.

Penalty Free Service:

Customer can exit the service contract within a maximum period of 5 days from activation without penalty charges (i.e. exit charges) if the service contract was mis-sold or the provided service did not comply with the service terms and conditions.

Out of Plan Charges Within the UAE: These charges will only be applied should you exceed the allocations as per your Mobile Business Plan

Out of Plan Charges Outside of the UAE:

If you’re searching for basic postpaid packages with standard benefits, your search has been successful!

Discover our   Business First Packages

Frequently Asked Questions

How does the Carryforward feature in Business First Plus work?

The key advantage of this plan starting at AED 110 is that you can carryforward its benefits for 3 months. This means, if you have subscribed to this plan on the 1st of Jan, you are authorized to carryforward the plan’s benefits to ensure all of the remainder allowances of the current month are used until the 30th of April. Similarly, this would continue for the next month, 1st of February until 31st May.

Can I downgrade/upgrade between Business First Plus base plans?

If you are upgrading or downgrading within the Business First Plus Flavors, no exit charges would apply if the online offer has not been redeemed. 

In the case that the online offer has been redeemed, you can upgrade/downgrade to plans only after the completion of the promotional period of two months with the contract being reset and exit charges being applied.

Can I subscribe to any other add-on with an existing add-on activated?

Yes, absolutely. Each of the add-ons are independent in nature and users can pick and choose whichever add-ons they require to tailor their plans to suit their requirements.

 What are the exit charges?

Exit charges applicable for device and base plans as per the following:

       (i) Exit from the Base Plan only – 1-month of base plan rental fee.

       (ii) Exit from Base plan with a Device - 1-month base plan rental fee + remainder months of rental for device. 

Can I migrate from Business First Plus to any other Business plans? 

Yes, you can easily migrate from Business First Plus Plan to any other plan that suits your requirements. Exit charges are subject to upgrade or downgrade and, your contract will reset from the date of migration.

What happens if I take a Voice add-on on top of my carryforward voice allowance?

In this case, Carryforward Allowances will be prioritized. 

How can I check my plan’s balance allowances?

You can check your balance allowances by simply dialing *140#

It’s smarter. It’s more rewarding .  Maximize value and rewards with free monthly allowances.

WOW Offer! Personalized deals just for you

Get personalized mobile deals on data, minutes, and roaming by dialing *969# with no complex sign-up.

Do Not Call Registry (DNCR)

Businesses must not call numbers in the DNCR Directory without customer consent, as per regulations.

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Business First Plus

High-performance plans designed to take your business to greater heights

Get more. Do more. Grow more. With Business First Plus.

Business First Plus comprises of high-performing, affordable plans that are designed specifically for business needs. Offering you huge data allowances, local, international and CUG minutes, Flexi SMS, along with the unique Carryforward Feature enabling you to carry all your unused local and international minutes across three months! Subscribe to Business First Plus to ensure you get so much more for less!

Purchase a new plan online and enjoy two months of free doubled minutes with your thirteenth month's rental for free! Top that with AED 50 free credit from us in your Easy Prepaid Wallet upon a minimum recharge of AED 10 within the first 6 months of plan purchase!

• All Categories
• No Contract
• 12 Months Contract

National 110

• 5 GB Local Data
• 700 Local Mins
• 110 Flexi SMS
• 3 Months Carryforward

5% VAT excluded

National 150

• 10 GB Local Data
• 900 Local Mins
• 150 Flexi SMS

National 200

• 15 GB Local Data
• 1250 Local Mins
• 200 Flexi SMS

Standard 110

• 250 Local Mins
• 150 Intl Mins

Standard 150

• 400 Local Mins
• 200 Intl Mins

Standard 200

• 600 Local Mins
• 300 Intl Mins

National 135

• 700 Local Mins

National 175

• 900 Local Mins

National 225

• 1250 Local Mins

Standard 135

• 250 Local Mins
• 150 Intl Mins

Standard 175

• 400 Local Mins
• 200 Intl Mins

Standard 225

• 600 Local Mins
• 300 Intl Mins

Business First Plus National 110 - 12 Months Contract

• Benefits: 5GB Local Data, 700 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 110 Flexi SMS.
• Rental Fee  AED110/Month
• Billing Frequency: Monthly
• Contract Period: 12 Months
• AED 50 Free Easy Prepaid Credit is offered with all new Business First Plus Plans. AED 50 would be credited to your Easy Prepaid Wallet upon recharge of above AED 10. Avail within the first 6 months of plan purchase. Dial *124# and follow on-screen instructions to top up your account, or use the Etisalat Business Mobile App. Limited-time offer.

All prices shown are excluding of 5% VAT charge.

• All unused local mins can be carried forward for 6 months. 
• *Closed User Group (CUG) minutes are intra-company calling minutes allowing subscribers to make and receive calls within their designated group.
• Flexi SMS covers local & international SMS. 
• No Activation Charges applicable.
• Penalty Free Service: Customers can exit the service contract within a maximum period of 5 days from activation without penalty charges (i.e. exit charges) if the service contract was missold or the provided service did not comply with the service terms and conditions.
• Contract duration is as per agreed original contract period between the client and Etisalat.
• In case of early termination, a one-time charge of exit charges equaling to 1 month's rental or AED 1,000, whichever is less would apply.

Out of Bundle charges within UAE

These charges will only be applied should you exceed the allocations as per your Mobile Business Plan.

Terms and Conditions

• All pricing is exclusive of 5% VAT charges
• In-bundle international minute allowances are applicable to pre-approved destinations. Click here to view the list of applicable countries.
• Outgoing roaming minutes will be activated within 48 hours of subscription

Out of Bundle charges while Roaming

Business First Plus National 150 - 12 Months Contract

• Benefits: 10GB Local Data, 900 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 150 Flexi SMS.
• Rental Fee  AED150/Month
• All unused local mins can be carried forward for 3 months. 

Business First Plus National 200 - 12 Months Contract

• Benefits: 15GB Local Data, 1250 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 200 Flexi SMS.
• Rental Fee  AED200/Month

Business First Plus Standard 110 - 12 Months Contract

• Benefits: 5GB Local Data, 250 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 150 Intl Mins, 110 Flexi SMS.
• International minutes allowances are applicable to multiple destinations.  Click here  to view the list of applicable countries.

Business First Plus Standard 150 - 12 Months Contract

• Benefits: 10GB Local Data, 400 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 200 Intl Mins, 150 Flexi SMS.

Business First Plus Standard 200 - 12 Months Contract

• Benefits: 15GB Local Data, 600 Local Mins, 3 Months Carryforward, 10000 CUG* Mins, 200 Flexi SMS, 300 Intl Mins.

Business First Plus National 135 - No Contract

• Rental Fee AED 135/Month
• Contract Period: No Minimum Commitment, No Termination Charges

Business First Plus National 175 - No Contract

• Rental Fee AED 175/Month

Business First Plus National 225 - No Contract

• Rental Fee AED 225/Month

Business First Plus Standard 135 - No Contract

•  International minutes allowances are applicable to multiple destinations.  Click here  to view the list of applicable countries.

Business First Plus Standard 175 - No Contract

Business first plus standard 225 - no contract, collect aed 50 free credit with your new mobile plan.

Simply recharge your Easy Prepaid Wallet with AED 10 and we'll top up your balance with an extra AED 50 free credit from us!

T&Cs Apply.

Important Information

About Business First Plus

Required Documents to Apply for Business First Plus Plan:

• Valid Copy Of Trade License 
• Passport Copy With Valid UAE Visa Of Individual, As Authorised By Company
• Emirates ID Copy Of Individual, As Authorised By Company
• Letter Of Authority
• Establishment Card

Contract durations is as per agreed original contract period between the client and Etisalat by e& with two options being available: No Contract and 12-Month Contract.

Online Exclusive Offer on Business First Plus Plans – Applicable for 12-Month Contracts: All new online subscriptions would benefit from double local & international minutes for the first 2 months. After two months, plan is downgraded to the original plan purchased. Up on contract renewal, users would get their thirteenth month plan rental for free.

Billing Frequency : Monthly

A hassle-free upgrade/migration to any other Business First Plus & Business Xtreme Plans can be done without any exit charges.

Closed User Group (CUG) minutes are intra-company calling minutes allowing subscribers to make and receive calls within their designated group.

International minutes allowances are applicable to multiple destinations. Click here to view the list of applicable countries.

Flexi SMS covers local & international SMS.

Penalty Free Service:

Customer can exit the service contract within a maximum period of 5 days from activation without penalty charges (i.e. exit charges) if the service contract was mis-sold or the provided service did not comply with the service terms and conditions.

Out of Plan Charges Within the UAE: These charges will only be applied should you exceed the allocations as per your Mobile Business Plan

Out of Plan Charges Outside of the UAE:

If you’re searching for basic postpaid packages with standard benefits, your search has been successful!

Discover our Business First Packages

Frequently Asked Questions

Q.  How does the Carryforward feature in Business First Plus work?

A. The key advantage of this plan starting at AED 110 is that you can carryforward its benefits for 3 months. This means, if you have subscribed to this plan on the 1st of Jan, you are authorized to carryforward the plan’s benefits to ensure all of the remainder allowances of the current month are used until the 30th of April. Similarly, this would continue for the next month, 1st of February until 31st May.

Q.  Can I downgrade/upgrade between Business First Plus base plans?

A. If you are upgrading or downgrading within the Business First Plus Flavors, no exit charges would apply if the online offer has not been redeemed. 

In the case that the online offer has been redeemed, you can upgrade/downgrade to plans only after the completion of the promotional period of two months with the contract being reset and exit charges being applied.

Q. Can I subscribe to any other add-on with an existing add-on activated?

A. Yes, absolutely. Each of the add-ons are independent in nature and users can pick and choose whichever add-ons they require to tailor their plans to suit their requirements.

Q.  What are the exit charges?

A. Exit charges applicable for device and base plans as per the following:

       (i) Exit from the Base Plan only – 1-month of base plan rental fee.

       (ii) Exit from Base plan with a Device - 1-month base plan rental fee + remainder months of rental for device. 

Q. Can I migrate from Business First Plus to any other Business plans? 

A. Yes, you can easily migrate from Business First Plus Plan to any other plan that suits your requirements. Exit charges are subject to upgrade or downgrade and, your contract will reset from the date of migration.

Q.  What happens if I take a Voice add-on on top of my carryforward voice allowance?

A. In this case, Carryforward Allowances will be prioritized. 

Q.  How can I check my plan’s balance allowances?

A. You can check your balance allowances by simply dialing *140#

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Business Xtreme

Reach for extreme with Business Xtreme! Indulge in unlimited local & international minutes, generous data allowances & so much more starting at just AED 325 per month!

Data Only Plans

Be online when it matters. Stay constantly connected to the web with our mobile data only plans. Check your emails, catch up with the news on your tablet, modem or laptop. Starting at AED 29!

Roaming Packs

Affordable Roaming packages to ensure you are always connected to your customers & employees via your U.A.E. number while enjoying high-speed, easy & hassle-free connectivity. Starting at AED 15!

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Etisalat by e& launches new business post paid plans, 28 apr 2023.

• Stay connected and productive with new Business Postpaid mobile plans • Free daily data for Zoom, Microsoft teams & emails

Abu Dhabi, UAE: etisalat by e& today announced the revamp of its business mobile plans to meet customers' evolving needs in the changing business ecosystem with more data and other benefits than ever before at no additional charge.

Business First Plus and Business Xtreme are plans designed to meet the growing demand for data businesses where customers enjoy increased data allowances, enabling them to stay connected and productive wherever they go. As the hybrid working environment becomes more prevalent, with more employees working outside the office using collaborative work tools, the new plans will add immense value to small businesses, enterprise and government customers.

Esam Mahmoud, Senior Vice President, SMB, etisalat by e& UAE said: “The evolution of business plans is a testament to our commitment to providing our customers with innovative and value driven products and services. At etisalat by e&, we understand that our customers need more data to stay connected and productive in today’s fast-paced world. These plans are designed to provide our customers with the data they need for no additional charge on the most frequently used apps for collaboration like Microsoft Teams, Zoom and emails. With the new plans, customers can enjoy seamless connectivity with non-stop data and stay productive wherever they go.”

Business First Plus comprises high-performing, affordable plans designed specifically for business needs, offering huge data allowances, local, international and CUG minutes, Flexi SMS, and the unique Carryforward feature, which enables customers to carry all unused local and international minutes across three months.

Business Xtreme is a suite of plans designed to give customers more power with unlimited local and international minutes, huge data allowances, roaming data, and flexi SMS, among many other benefits.

etisalat by e&’s existing valued customers will be able to experience these new features on their current plans. They can enjoy the new set of add-ons available with flexible payment options of one, six and 12 months starting as low as AED 15.

For more information on the plans please visit etisalat by e& | Mobile Plans

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Etisalat launches new mobile plans for businesses, top stories.

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Dubai - Business First Plus and Business Xtreme plans with Easy Prepaid, “carryforward” and many more distinct features tailored to suit all business needs

A Staff Reporter

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Published: Sun 20 Dec 2020, 6:02 PM

Last updated: Sun 20 Dec 2020, 6:03 PM

Etisalat has announced various Mobile Propositions, a plethora of business postpaid mobile plans meticulously designed to suit the needs of its business customers.

Business mobile plans such as Business First Plus, Business Xtreme, and the Easy Prepaid feature, along with exclusive online mobile plans, address the needs of business customers from the usage behaviour and pricing point perspective, and cater to the convenience of business customers.

Esam Mahmoud, SVP of Small and Medium Business, Etisalat, said: “At Etisalat, it is our constant endeavour to empower businesses by providing our customers with different business mobile plans which fit their particular requirements, allowing them to enjoy best in class services at great value. ‘Etisalat Business Mobile Plans’ reinforce our commitment to deliver value propositions that address our customers’ varying needs, especially amidst the current global phenomenon. With Etisalat being recognised as the fastest mobile network provider globally by Ookla Speedtest in 2020, our business customers are assured of reliability, speed and superior performance.”

Etisalat is offering budget-conscious customers the Business First Plus postpaid plan, starting from Dh110 a month. With a carry-forward feature, business customers are able to roll over unused minutes to the next month and enjoy the benefit of any unused allowance.

Customers in search of a stress-free plan complete with unlimited national and international minutes can select Etisalat’s Business Xtreme. In addition, they can stay constantly connected with yearly extra free bonus allowances, and choose from a selection of international minutes, local minutes, or free data allocations when subscribing to either Business First Plus or Business Xtreme for one year.

‘Easy Prepaid’ is an innovative feature that provides a separate prepaid account on top of an existing postpaid number. Hence, employees can seamlessly switch between their business postpaid account and a personal prepaid account enabling them to make personal calls at their own expense using their existing business mobile plans, and not be limited to their employer’s allocated allowance. For instance, an employee can use a prepaid account – with the same number – when he or she reaches the maximum allowance given by the company. In addition, employees can add on plenty of services like roaming voice minutes, local and international data and SMS.

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Etisalat launches ‘Business First’ mobile plan for UAE SMBs

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Etisalat announced the launch of a new mobile plan called Business First for the UAE Small and Medium Business (SMB) sector meeting the growing data and non-stop connectivity requirements of the segment, giving them the flexibility to conduct day-to-day business activities and contributing to their efficiency and productivity.

Etisalat serves close to 300,000 SMB customers in the country working closely with them in their digital transformation journey. In a global study of more than 3,000 SMBs, conducted by analyst firm IDC this year, 39 percent of respondents said active participation in the digital economy will be essential to their company's survival.

"Etisalat works closely with SMBs in the UAE by investing our resources in understanding their requirements to help meet their business needs and to enable them to achieve their organization's strategic goals," said Esam Mahmoud, Acting Senior Vice President, Small and Medium Business, Etisalat.

" The launch of Business First is also in line with Etisalat's strategy of driving the digital future to enable SMBs adopt digitalised processes in their business operations and uncover new revenue streams. Our new 'non-stop data' value proposition will give our customers the flexibility to manage their day-to-day business without facing any obstacles in staying connected while on the move."

The new Business First mobile plan gives SMB customers for the first time ever 'non-stop data' for as low as AED 140 per month, bundled with local voice minutes and intra-company calling minutes. In addition, customers can subscribe to a variety of flexible add-ons to suit their needs, including international calls for just 38 fils per minute, as well as national calls for 18 fils per minute. Etisalat also offers attractive pricing on the monthly packages if customers were to sign up for longer-term contracts.

New or existing customers can subscribe to any of the Business First mobile plans, which are available on a limited time only with fair usage policy applying on data usage. For more information or to subscribe, call Etisalat's dedicated SMB Call Centre at 800 5800 or walk into any of Etisalat's Business Centers or visit etisalat.ae/ businessfirst

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Your roadmap for success

25 Nov 2020

Preparing a business plan is like outlining an itinerary for a trip. You want a clear map that you can follow step by step while developing your business.

Business plans have long been a critical document for new businesses. A good business plan should guide you throughout the start-up process. A business plan is still a must for some scenarios and some reasons. Every entrepreneur and start-up company needs a plan. Before deciding exactly what that looks like and how to create it, there are some critical questions to answer and factors to understand.

Who do you need the business plan for? Do you need these for internal teams and stakeholders to ensure that they understand the vision of the business or externally for potential business partners or investors as you build and scale your business. 

You should have a plan to get yourself organized and to ensure you have some type of viable commercial potential. You have focus and hopefully aren’t going to run out of money or starve before you get going. If that’s all you need, and you don’t plan to raise money, apply for loans and don’t intend on bringing in partners, then you certainly don’t need an elaborate document. Keep it simple. 

If you are preparing a business plan, it needs to have six key elements: an executive summary, a description of the company, products/services, market analysis, management team, and a financial plan. While the executive summary is an overview of the company, the company should include a high-level overview of the history of the company, business legal structure, your products/services, key partners, and summaries of your financial and business goals.

The product and services segment should outline in more detail what you offer and how you differentiate yourself from others which could be covered in the market analysis segment that should outline the market need and how your products and services satisfy that need. This includes targeted customer segments, industry statistics, pertinent marketing data, and a thorough examination of your competitors' strengths and weaknesses.

Most people say that investors (especially angel investors) look at the team. It is important for them to know who is running the business. So include details of your core team with an organizational chart with departmental descriptions and information regarding the owners, key employees, the management team, board members, advisors, etc.

The last section of your business plan should be created with the help of a professional accountant. Include important financial statements, such as historical financial data from the past three to five years, realistic budget forecasts over the next five years and an analysis of your all financial data.

For any company to succeed, all stakeholders (from business partners to employees) should understand the dynamics of the business plan. The more people who are involved in the formation of the business plan, the more ideas you can circulate. It is important to consider everyone's input to ensure that the outcome is pleasant for all stakeholders. 

A business plan still plays a critical role in launching a profitable and sustainable venture today. New trends and the data show that the best time to complete a robust plan may now come later in the business’ journey than it used to. When it comes to business plan creation there are now more templates and streamlined formats that are being adjusted to meet today’s needs to accommodate faster moving, leaner start-ups. 

No matter how you do it, and who you’ll show your plan to, make sure to have someone with experience review it for you.

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1 ⚊ Largest number of units in Egypt to be used freely for local voice calls, mobile internet, and SMS.

2 ⚊ Free WhatsApp, Facebook, and Business Apps, along with exclusive offers on MI bundles.

3 ⚊ Add any bundle or service from Etisalat’s portfolio through postpaid bill or prepaid balance and enjoy an unstoppable line.

4 ⚊ Business Apps include: LinkedIn, Dropbox, Google Maps, Gmail, Google Drive, Zoom, Skype Business, Microsoft Teams, One Drive, Outlook, Microsoft Power Point, Excel, Word.

M onthly Fees

P ool of units, f ree applicalions, i ntra company, c onsumption rate.

You can set MI monthly usage limit for the main bundle’s units through My Etisalat app or by dialing *6234# unlimited times during the month with no charge.

WhatsApp is unstoppable all over the month.

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Etisalat names new division heads as part of digital transformation strategy

• Travel & Tourism

Mikhail Gerchuk and Khalifa Hassan have decades of experience behind them

Dubai: The UAE’s largest telecom operator Etisalat on Thursday announced the appointment of two senior officials in leadership roles.

Mikhail Gerchuk has been appointed CEO - International. The company also named Khalifa Hassan Al Shamsi as head of its consumer digital business.

Reporting to Hatem Dowidar - Etisalat’s Group CEO, Gerchuk and Al Shamsi will help secure the organisation’s growth mandate. Gerchuk will be responsible for providing comprehensive direction to develop and implement the international telco strategy and the accompanying long-term plans needed for maintaining growth across international operations. Al Shamsi’s appointment is part of Etisalat Group’s ongoing digital transformation strategy to significantly expand its digital portfolio by growing the existing business, as well as capturing new opportunities in the consumer market, through its new dedicated vertical – Etisalat Consumer Digital.

The announcement follows the appointment of Salvador Anglada as the CEO of Etisalat Enterprise Digital in November 2021, to drive digital transformation by enabling enterprises and governments to become smarter through the use of the latest technologies such as Cloud, Cyber Security, Internet of Things (IoT) and AI.

Al Shamsi began his career with Etisalat spanning nearly three decades and has a proven track record in telecom and digital services backed by a solid commercial and technical background. He has held several leadership positions within Etisalat Group, including Head of Mobile Networks, Chief Marketing Offices and Chief Digital Officer.

With over 20 years of experience in the telecoms industry, Gerchuk has held several notable leadership roles with Vodafone, MTS, and VEON, covering marketing, product and services development, and launching new business segments. In his most recent role, he was the Senior Advisor – Telecom, Media and Technology Practice – at McKinsey & Company, London. Before that, he was the VEON CEO for the Eurasia region, where he was instrumental in successfully turning around the decline in business revenue and achieving strong growth, thus increasing profitability dramatically.

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Student-loan forgiveness through Biden's new repayment plan faces another lawsuit from 7 GOP states

• Another group of GOP states filed a lawsuit to block the SAVE income-driven repayment plan.
• The lawsuit argued the SAVE plan diminishes the value of PSLF and harms MOHELA's revenue.
• It's the second lawsuit so far to block the student-loan repayment plan.

Another lawsuit to block President Joe Biden's new student-loan repayment plan has arrived.

On Tuesday, Missouri's Attorney General Andrew Bailey led six other GOP states in filing a lawsuit to block the new SAVE income-driven repayment plan. The lawsuit argued that the plan, established in July 2023 to give borrowers more affordable monthly payments, is unconstitutional and is in "defiance of the Supreme Court" decision that blocked Biden's first attempt at broad debt relief at the end of June.

Specifically, the Education Department implemented a provision of SAVE ahead of schedule in February: $1.2 billion in debt relief for 153,000 borrowers who originally borrowed $12,000 or less and made as few as 10 years of qualifying payments.

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That provision was originally set to be implemented in July, and the lawsuit said there is "no justification for the early implementation of this provision."

"This latest attempt to sidestep the Constitution is only the most recent instance in a long but troubling pattern of the President relying on innocuous language from decades-old statutes to impose drastic, costly policy changes on the American people without their consent," the lawsuit said.

This student loan lawsuit is personal for me. I paid for my education in blood, sweat, and tears in service to my nation, as did so many others. It’s a slap in the face to every working American to be left with the tab for someone else’s Ivy League debt. pic.twitter.com/E67qx1RMsP — Attorney General Andrew Bailey (@AGAndrewBailey) April 9, 2024

This lawsuit comes just a couple of weeks after a separate group of 11 GOP state attorneys general filed a lawsuit also targeting the SAVE plan. An Education Department spokesperson said at the time that the department doesn't comment on pending litigation. However, the spokesperson noted that "Congress gave the US Department of Education the authority to define the terms of income-driven repayment plans in 1993, and the SAVE plan is the fourth time the Department has used that authority."

One of the key distinctions between Bailey's lawsuit and the other lawsuit to block SAVE is Bailey's argument that the SAVE plan would hurt the revenue of student-loan company MOHELA, which is based in Missouri.

It's a similar argument to the lawsuit Biden v. Nebraska, which the Supreme Court ruled had standing to strike down Biden's first broad debt relief plan. Missouri was one of the plaintiffs in that lawsuit and argued that any debt relief would harm MOHELA's revenue because it would service fewer accounts under any loan forgiveness.

"The Supreme Court determined that MOHELA suffers financial harm whenever loans that it services are discharged," the lawsuit against SAVE said.

"So when student loan balances go to zero, as they will under the Final Rule, MOHELA will lose the revenue from servicing those loans," it continued. "Thus, by accelerating the forgiveness timeline for the typical borrower by as much as 15 years, the Final Rule imposes financial harm on MOHELA, and thus the State of Missouri, by depriving MOHELA of up to 15 years in servicing fees."

The states also argued that the SAVE plan diminished the value of the Public Service Loan Forgiveness program, which forgives student debt for government and nonprofit workers after 10 years of qualifying payments. It said that due to the generosity of the SAVE plan, fewer borrowers will enroll in PSLF, thus undermining states' recruitment efforts into the public sector.

This lawsuit follows Biden's release of new details for his broader student-loan forgiveness plan, which is set to benefit over 30 million borrowers . While that plan will not be implemented until the fall, at the earliest, Bailey wrote on X on Monday that lawsuits will likely come: "See you in court."

Watch: Why student loans aren't canceled, and what Biden's going to do about it

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Moscow-City – The Moscow International Business Center

• 3 years ago

Moscow-City is an iconic location for life and work in Russia’s capital. Enormous skyscrapers, business centers, the best restaurants and retail spaces – all this is concentrated in one place. The ultramodern Moscow-City towers are truly striking in their outward appearance, and the layout of the apartments inside and the fantastic views that can be seen from the higher floors are nothing short of impressive.

This skyscraper compound, often referred to as Moskva-City, is the Russian take on Manhattan, where businessmen strike multi-million dollar deals daily while ordinary life goes on next door. Its state of the art spaces offer the ultimate convenience. The infrastructure of this business district is so well-developed that anyone can find something interesting for themselves here: from residential apartments to boutiques, clubs, exhibitions and more.

When the foundations for the Moscow-City skyscrapers were laid, a special kind of concrete was used, the properties of which are amplified by many times compared to standard concrete. Even in the event of a plane crashing into one of the buildings, the structural integrity of the towers will be preserved.

The architects of the Moscow-City Business Center have created a unique locality that has integrated into itself the hub of the capital’s business life and a whole ensemble of historical monuments. Anyone can admire the beauty of these skyscrapers from within or without the compound. There are also a number of apartments for sale or rent available in the MIBC itself. But first, let’s have a look at some more interesting facts about the financial core of Russia’s capital.

• 1 How It All Began
• 2.1 Moscow-City Central Core
• 2.2 Tower 2000
• 2.3 Evolution Tower
• 2.4 Imperia Tower
• 2.5 Moscow Tower and St. Petersburg Tower
• 2.6 Steel Peak Tower
• 2.7 Federation Tower
• 2.8 Mercury City Tower
• 2.9 OKO Tower Complex
• 3.1 Afimall City Shopping Center
• 3.2 Bagration Bridge
• 3.3 Expocentre Fairgrounds
• 4 Renting and Buying Real Estate in Moscow-City

How It All Began

The history of Moscow-City goes all the way back to 1992. The government of Moscow at the time wanted to bring into existence its own skyscrapers like the ones in London or New York. And the idea caught on. In 1992 the project for the construction of the huge “Moscow-City” MIBC compound was enthusiastically approved, kick-starting the painstaking preparatory works. The original intention was that the skyscrapers would only house office space. However, as time went on, the towers began to welcome in ordinary residents who wanted to live on the territory of this business and finance hub.

Moscow-City is undoubtedly a city within a city. Its grandeur is mind-boggling. It is perfect in every way: from location to infrastructure. And today, anyone can get a feel of the atmosphere of the “capital city” of Russia’s business world – many of the apartments in Moscow-City are available for rent. Any citizen of Russia and even nationals of other countries can make use of these offers.

What It’s Like in 2021

Today Moscow-City is not just a magnificent and fascinating sight, but also a real hub for the work, life and leisure of thousands. Its infrastructure is organized in such a way that there is no need to leave the territory of the “city within a city” at all. This business district contains everything one may need for work and recreation. And if one does decide to venture out into the larger metropolis, the MIBC’s three subway stations make this remarkably simple to do.

Moscow-City stands on the Presnenskaya Embankment . Each of the buildings in the district has a name, which simplifies its identification. Some of the buildings form complexes that are united under one name, such as the Neva Towers and the Naberezhnaya Tower complex of two skyscrapers and one high rise. There are a total of 16 towers in the MIBC, of which the most popular are:

• Moscow-City Central Core;
• Tower 2000;
• Evolution Tower;
• Imperia Tower;
• City of Capitals (Moscow Tower and St. Petersburg Tower);
• Steel Peak Tower;
• Federation Tower;
• Mercury City Tower;
• OKO Tower Complex.

Moscow-City Central Core

This is the most complex building within the MIBC compound. Its total floor area is a whopping 1 476 378 sqft (450 000 m²). It consists of two massive parts, each of which boasts a truly impressive infrastructure. The underground part includes 3 Moscow Metro stations, a parking lot for automobiles and a shopping mall. The aboveground part houses a concert hall and a hotel.

Tower 2000 is a skyscraper having 34 stories. Its total floor area is 200 318 sqft (61 057 m²), most of which is office space. The key feature of this skyscraper is its direct connection to the Bagration Bridge, which has its own shopping arcade. The tower has everything one may need while working here, including a large parking lot and several restaurants.

Evolution Tower

This elegant structure is 836 feet (255 m) high – that’s a whole 54 stories! The total floor area here is 554 462 sqft (169 000 m²). The Evolution Tower’s key feature is that it has its own Wedding Hall. This skyscraper houses large office spaces, a parking lot and several restaurants.

Imperia Tower

MIBC’s Imperia Tower is the undeniable focal point of the MIBC’s business life. Its height is 784 feet (239 m), which means one can hold conferences and resolve key business matters on the 59 th floor! And that really is amazing! The tower has everything: offices, hotels, restaurants and parking lots. But if you want a truly unforgettable experience, visit the viewing platform! It is situated on the 58 th floor and a simply astounding view of Moscow can be seen from it.

Moscow Tower and St. Petersburg Tower

The Moscow and St. Petersburg Towers are the chief representatives of the MIBC. The Moscow Tower has 76 stories and is 990 feet (302 m) high, while the St. Petersburg Tower has 65 stories and stands 843 feet (257 m) tall. Both towers offer fantastic views of the capital city.

Most of the floors of these two skyscrapers are taken up by luxurious sky apartments. There are also several recreational and entertainment centers, office spaces, restaurants, etc.

Steel Peak Tower

Also known as the Eurasia Tower of Moscow-City, this supertall skyscraper has a total of 680 912 sqft (207 542 m²) of floor space. Most of this is taken up by offices, and the rest – by residential quarters (around 65 616 sqft or 20 000 m²). The tower also houses a number of the greatest restaurants, studios and shopping centers.

Federation Tower

The Federation Tower is a complex of two skyscrapers, known as Tower East and Tower West. Tower East is the second highest building in Europe (the first is a skyscraper recently erected in the city of St. Petersburg). Its height is a colossal 1 223 feet (373 m) and that makes 95 stories! Tower West, on the other hand, is noticeably shorter at 794 feet (242 m).

The Federation Tower is a multifunctional complex.

Mercury City Tower

The Mercury City Tower skyscraper is widely known as one of the tallest buildings in Europe. Its height is 1 112 feet (339 m) and it has 75 stories. It is multifunctional by concept, holding within its walls shopping centers, offices and all kinds of other spaces. It is also possible to rent apartments here.

OKO Tower Complex

The OKO Tower Complex consists of two towers – the North Tower (49 stories and 803 ft or 245 m in height) and the South Tower (85 stories and 1 155 ft or 352 m in height).

Each of the MIBC’s tower complexes has its own recreational and entertainment areas, restaurants and parking lots. The top floors of most of these buildings contain luxurious fully-furnished apartments. At night, the towers shine with bright lights, while inside them the panoramic windows reveal astounding views of Moscow. This breathtaking view of the capital of Russia is why visiting Moscow-City is a must!

What Not to Miss

There are many interesting landmarks within the Moscow-City compound, but three of them are truly deserving of special attention:

• The Afimall City Shopping Center;
• The Bagration Bridge with two galleries and a shopping arcade;
• The Expocentre Fairgrounds.

Afimall City Shopping Center

The Afimall City Shopping and Entertainment Center is located in Moscow-City’s Central Core. It is divided into 4 zones, each with its own theme – one for every season of the year. The shopping center houses the biggest indoor fountain found worldwide. The height of this watery wonder is 118 feet or 36 meters.

The shopping and entertainment center contains everything one might expect from one of the largest centers of its kind:

• Retail brand stores;
• Exhibitions;
• Game rooms;
• and Restaurants.

The main recreational space is roofed with a giant transparent dome, which is an impressive sight to behold.

Bagration Bridge

Bagration Bridge with its upper and lower galleries has a shopping center all of its own and was the first structure to be built as part of the Moscow-City business district. Its lower gallery is a shopping arcade and its upper gallery is an open-air viewing platform with a spectacular view of the MIBC and the Moskva River. The hall of the bridge houses the 23 foot tall sculpture called “Tree of Life”. Having gone through the bridge via either one of its two galleries, a pedestrian would find themselves standing right on the Kutuzovsky Prospekt.

Expocentre Fairgrounds

The Expocentre Fairgrounds exhibition venue is located at the very heart of the capital. The first exhibition held at the Expocentre happened all the way back in 1959, much earlier than the MIBC was erected. Today it is the venue of many interesting events.

Exhibitions with very diverse themes are regularly held at this complex. An up-to-date schedule can be found on the official webpage of the Expocentre. The events can be free or fixed-price entry, depending on their type.

Renting and Buying Real Estate in Moscow-City

Moscow-City is not only a work and business hub, but also a residential neighborhood. Any citizen of Russia can rent or buy apartments or elite sky lounges here. The variety of residential real estate available inside the skyscrapers is impressive, including options for any pocket. The following buildings in the MIBC contain residential blocks:

This skyscraper has a mirror glass façade which reflects the passing clouds. Just imagine how beautiful that looks! Anyone can buy an apartment in the Federation Tower. Such properties are not only a good investment, but also a mark of prestige. The average price of residential real estate here is 45 million rubles for an apartment with a total floor area of 334 sqft (102 m²). The average price of a square meter (3.28 square feet) is in the range of 650 to 700 thousand rubles. There are two- and three-room apartments available in the Federation Tower, each with its own loggia. As for rent, the minimum price of one month’s stay in a three-room apartment in this skyscraper is 300 000 rubles per month.

The Mercury City Tower skyscraper welcomes citizens from all parts of Russia. This building is no less tall than the world-famous Dubai skyscrapers. Living in its apartments is a delight. The minimum cost of an apartment in the Mercury City Tower is 75 million rubles. The average price of a square meter (3.28 square feet) is 800 thousand rubles. And for those looking for a lower price point, some of the properties are also available for rent – in this case you will pay a minimum of 250 thousand rubles per month.

The Imperia Tower is a key cluster of interesting offers. The best options for buying and renting apartments within the MIBC can all be found in this skyscraper. The lowest price of a residential apartment here is 40 million rubles. A square meter (3.28 square feet) in a luxurious apartment in the Imperia Tower currently costs 600 thousand rubles, while the price range of the listings available for rent in this skyscraper is from 350 thousand all the way up to 1 million rubles per month.

This complex, standing on a faceted or “crystal” base, is an architectural engineering project boasting spectacular design. Behind its impressive façades is an abundance of penthouses and apartments having floor areas in the range of 262 sqft (80 m²) to 984 sqft (300 m²). The minimum price of an apartment in the OKO Tower Complex is 40 million rubles (the price of a square meter (3.28 square feet) is 500 thousand rubles). You can rent an apartment here starting from 400 thousand rubles per month.

City of Capitals

The City of Capitals is an exemplary architectural complex. Its sum appearance gives the impression of a huge city. Inside its walls are spacious apartments available for purchase and rent. This complex is considered to be especially prestigious. The prices of apartments here start from 50 million rubles, while the minimum cost of renting is 400 thousand rubles per month.

Please note! The price of real estate available for purchase or rent depends on: the tower, the floor, the total floor area, the furnishings and/or interior design, and other factors.

The key advantages of buying/purchasing real estate in Moscow-City are:

• Favorable location;
• Convenient transportation links;
• Well-developed infrastructure;
• High safety level;
• Efficient architecture;
• Panoramic windows.

Buying real estate in Moscow-City is very much a rational decision, most appealing to those who value the ultimate level of comfort. The residential apartments here boast impressive interior design solutions executed in the contemporary style.

Related posts

Property tax in russia, the best international schools in moscow.

Our Rating of the Best Districts of Moscow for Living In

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The spiraling 246m high Evolution Tower is located on plots 2-3 of Moscow-City high-rise business district on Presnenskaya Embankment of Moscow river. New multi-function center occupies the territory of 2.5ha in area, 2ha of which is a landscaped terraced civic plaza, the integral part of the new city piazza, the central open public space of Moscow-City business downtown.

ivic plaza includes 10m high ceremonial stairs (leading from embankment and pedestrian Bagration Bridge to the higher terraced levels) as well as landscaped areas with green lawns, trees, water features, travellators and feature lightboxes.

Evolution Tower

Location: Moscow, Russia

Typology: High-Rise, Office, Mixed-Use

Years: Construction 2011-2014

Status: Built

Height: 246m

Design team: GORPROJECT  (2011-2015), 

RMJM Scotland Ltd 

(original concept 2005-2007)

Under the piazza levels the 2-storey retail mall connects the Evolution Tower with metro station and pedestrian bridge over Moscow river, thus integrating the new development into the large Moscow-City district, the Europe's newest and most ambitious high-rise cluster (7 of 10 highest European skyscrapers ae located here), housing over 4 million square meters of office and retail areas with associated transport and engineering infrastructure.   

The Evolution Gallery mall houses food court and 6,000m2 family entertainment and educational center for various children activities (the first center of that kind in Moscow). 

The 82,000m2 office tower has 52 levels rotated 3 degrees each floor with overall twist reaching 156 degrees clockwise. With world’s largest innovative cold-bent glazing the tower façade provides seamless floating reflection that rotates the panoramas of Moscow skyline vertically, where the reflected clouds moving up enhance the dynamic visual impact of the twisted tower, an unprecedented optical effect in the world architecture.  The Crown with supporting steel structure made of two twisted arches provides the helipad at the very top as well as the open observation roof decks at Levels 51-52 featuring the best panoramas of Moscow riverside with views towards the historical center. 

From the very beginning the developer and architects have set an ambitious task to create a recognizable and symbolic tower, the new icon of contemporary Moscow.  The sculptural DNA-shaped twisting tower symbolizes the evolution spiral with the white façade ribbon wrapping over the roof in a form of 90-degree twisted infinity symbol, which speaks of philosophical concept of evolution and celebrates the development of human civilization. From spiraling onion domes of St. Basil to the iconic Tatlin Tower concept the Russian architecture was obsessed with idea of spiral. The simple and innovative design was based on principles of twisting square-shaped floor plates with vertical structural RC frame supported by a central core and 8 columns with continuous beams and 4 spiraling columns at the corners. 

The proposed structural scheme with cantilevered continuous RC beams and cantilevered floor slabs  picking up the overhangs from the twisted floor plates appeared to be simple, efficient and economical. The complex sculptural tower façade envelope was built using the innovative cold-bent glazing with flat double glazed units cold-formed in 3D within the aluminum frame under its own weight to avoid stepping in geometry. This approach appeared to be both more energy-efficient and more cost-efficient solution in comparison to the stepped curtain wall units previously applied in some twisted unitized facades. 

The multifunctional architectural glass by Guardian significantly reduces the solar gain whilst providing the double glazed unit thermal performance equal to standard triple glazed unit normally used in Moscow to withstand harsh winter conditions. The use of innovative TWIN elevators by ThyssenKrupp saved 2 shafts within the core (10 TWINs instead of 12 double-deckers in the original concept) and contributed to the overall project sustainability with lesser power consumption per passenger. Other sustainable design features include green roofs over the retail mall and integrated coil floor heating under landscaped civic piazza levels using the return water in winter to melt the snow and ice for the safety of pedestrians. The reinforced concrete formwork by PERI, including self-climbing ACS formwork specially designed for the twisting corner columns, allowed to achieve the impressive speed of RC frame construction of 6 days per floor due to perfect site logistics by Renaissance Construction as main contractor. 

All innovative design solutions and optimizations secured the delivery of this fairly unique skyscraper within the project plan and almost within the budget of the standard ‘benchmark’ high-rise building. This turned out to be a major achievement of the design and construction teams. 

The organic twisting silhouette dominates on its background of extruded glass towers greatly contributing into the overall composition of the high-rise Moscow-City cluster. The development delivered a significant open public space on the landscaped roof of the retail mall, thus providing the perfect mix of business uses with public and social activities of the civic plaza and the mall with its food court and core family entertainment function. The synergy of that mix with large underground car-park complemented by the direct link to the metro station and pedestrian bridge as means of main public transportation secured the successful project completion with the recent entire tower acquisition. Bold shape and timeless aesthetics as added values brought by its unique architecture materialized in a commercial success of this project with the tower being fully acquired for corporate headquarters even in the context of oversupply in the Moscow office market. The outstanding quality of architecture and its fine detailing, state of the art building services and communications of Class A office Tower together with the highest level of transport accessibility  (direct access to metro station from the lobby, large car-parking, proximity to boat pier and helipads) make this property very attractive for tenants and visitors. The beautiful riverside panoramas from offices are complemented by green roof and water features of the large 2ha terraced civic piazza as the main recreational outdoor space with direct link from the office tower lobby. 

The highest quality of façade cladding, glazing, vertical transportation and MEP equipment from leading European and international suppliers provided the truly Class-A office environment with the luxury of minimalist spirit in the architecture of the new landmark on the Moscow skyline. Even before its completion the sculptural spiral of Evolution Tower, more often appearing in commercials, posters and magazines, became a new icon for modern Moscow as the symbol of its business ambitions and fast development. The Evolution Tower also became the monument to the courage of its developer (Snegiri Group) and investors, who built the great deal of trust with architects, engineers and contractors by investing their efforts and funds in a challenging adventure of designing and building the unique and innovative skyscraper for the capital of Russia. 

Evolution Reflections

Philipp nikandrov.

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25 million student loan borrowers could see their balances shrink under Biden’s new forgiveness plan

President Joe Biden and his administration are moving forward with plans to provide student debt relief to as many people as possible.

The administration announced Monday the details of its new plan to reduce student debt balances for millions of borrowers. The proposed regulations — which were drafted as part of the months-long negotiated rulemaking process — feature several different ways for borrowers to see their debt balances reduced, if not eliminated entirely. 

The provisions of the plan include forgiving excessive interest that has accrued, discharging balances that have been in repayment for 20 years or more and relief for borrowers who attended now-closed or insolvent institutions.

"[The] plan is focused on the reasons that people are struggling with their student loan debt," James Kvaal, Under Secretary of Education, told CNBC Make It. 

"People who are upside down on their student loans because interest has racked up faster than they could pay it, people who have been making payments on their loans for decades and still owe those loans — it's a sign of how aggressive the President is [being] in tackling the student loan crisis," he said.

The relief provisions will soon be open for a public comment period where the administration will consider revisions to its proposal before it goes into effect. Some provisions are expected to roll out as early as this fall, the administration said.

As with Biden's previous student debt forgiveness proposals, it's possible this plan will come under legal scrutiny if challenged by opponents. But this plan differs from his previous action by using a different legal authority — the Higher Education Act — and narrowing the scope of borrowers eligible for relief.

In the event this plan is enacted and a future presidential administration wanted to repeal it, it would need to go through the same lengthy rulemaking process, Kvaal said.

Here's the relief borrowers may expect to see in the coming months.

Up to $20,000 of accrued interest forgiven

Interest accrues daily on student loans and some borrowers have interest rates as high as 8%. As a result, many borrowers wind up with balances higher than what they initially took out for school, despite making regular payments.

Biden's plan aims to address that "runaway interest" by canceling up to $20,000 of the amount a borrower's balance has grown due to unpaid interest after entering repayment. Single borrowers who earn $120,000 or less and married borrowers earning $240,000 or less who enroll in an income-driven repayment plan would be eligible to have their entire excess interest balances discharged, the administration said. 

Some 25 million borrowers stand to benefit from their interest balances being reduced if the plan goes into effect as proposed. An estimated 23 million of those borrowers will have their entire balance growth forgiven, according to the administration.

Automatic loan discharge for forgiveness-eligible borrowers

The Biden administration has canceled debt for over 1 million borrowers through existing forgiveness programs, including Public Service Loan Forgiveness , income-driven repayment and closed school loan discharges.

The administration estimates another 2 million borrowers are eligible to have their debt forgiven under these programs, but have not yet applied .

The new plan will allow the administration to use available data to identify and automatically clear balances for these borrowers as they are eligible, without borrower action.

Debt forgiveness for long-term borrowers

Another 2 million borrowers could benefit from a provision that will clear debt balances that are at least 20 years old for undergraduate borrowers and 25 years for graduate borrowers. It will apply to undergraduate borrowers with direct loans or direct consolidation loans who entered repayment on or before July 1, 2005, and graduate school borrowers who entered repayment on or before or July 1, 2000.

Currently, borrowers enrolled in the Saving on a Valuable Education plan or other income-driven repayment plans are eligible to have their remaining balances discharged after 20 or 25 years, but the new regulation would eliminate the IDR requirement.

Relief for attendees of 'low-financial-value' programs

The Biden administration has made a concerted effort to "hold colleges accountable when they leave students with mountains of debt and without good job prospects," it said in its statement. 

As such, the new plan would waive loans for borrowers who attended institutions or programs the administration identifies as "low-financial-value."

That includes schools that have lost eligibility to receive federal student aid or were denied recertification due to cheating or taking advantage of students, as well as programs that have since closed or have a history of leaving students with high debt loads and poor earnings outcomes.

Help for borrowers facing financial hardship

The administration says it is committed to pursuing a "specific action" for student loan borrowers experiencing a variety of financial hardships , although it's not yet clear who may receive relief and to what degree their balances will be reduced.

"This could include delivering automatic forgiveness to borrowers predicted to be likely to default on their loans, or through an individualized applications where borrowers could detail their financial hardship that is preventing them from being able to fully pay back their loan, such as a child care or medical expense," the administration said in its statement.

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Axios Sees A.I. Coming, and Shifts Its Strategy

“The premium for people who can tell you things you do not know will only grow in importance, and no machine will do that,” says Jim VandeHei, C.E.O. of Axios.

By Katie Robertson

In the view of Jim VandeHei, the chief executive of Axios, artificial intelligence will “eviscerate the weak, the ordinary, the unprepared in media.”

The rapid rise of generative A.I. — and its implications for how people will discover and consume news — has unsettled many media executives. Like them, Mr. VandeHei has spent the past year or so pondering how to respond.

Now he’s becoming one of the first news executives to adjust their company’s strategy because of A.I.

Mr. VandeHei says the only way for media companies to survive is to focus on delivering journalistic expertise, trusted content and in-person human connection. For Axios, that translates into more live events, a membership program centered on its star journalists and an expansion of its high-end subscription newsletters.

“We’re in the middle of a very fundamental shift in how people relate to news and information,” he said, “as profound, if not more profound, than moving from print to digital.”

“Fast forward five to 10 years from now and we’re living in this A.I.-dominated virtual world — who are the couple of players in the media space offering smart, sane content who are thriving?” he added. “It damn well better be us.”

Axios is pouring investment into holding more events, both around the world and in the United States. Mr. VandeHei said the events portion of his business grew 60 percent year over year in 2023.

The company has also introduced a $1,000-a-year membership program around some of its journalists that will offer exclusive reporting, events and networking. The first one, announced last month, is focused on Eleanor Hawkins, who writes a weekly newsletter for communications professionals. Her newsletter will remain free, but paying subscribers will have access to additional news and data, as well as quarterly calls with Ms. Hawkins.

Membership programs will next be built around Sara Fischer, a media reporter, and the business editor Dan Primack, who writes the daily Pro Rata newsletter, according to a person familiar with the company’s plans.

“I’m trying to align the company with the people who have a ton of talent: They thrive, we thrive,” Mr. VandeHei said.

Axios will expand Axios Pro, its collection of eight high-end subscription newsletters focused on specific niches in the deals and policy world. The subscriptions start at $599 a year each, and Axios is looking to add one on defense policy. The company just hired an executive, Danica Stanciu, to oversee the expansion into more policy areas. Ms. Stanciu was instrumental in growing Politico Pro, Politico’s premium subscription offering, into a thriving business.

“The premium for people who can tell you things you do not know will only grow in importance, and no machine will do that,” Mr. VandeHei said.

Part of the pivot entails a restructuring of Axios’s leadership team. Sara Kehaulani Goo, the editor in chief of the Axios newsroom, will head up the editorial side of events and running new platforms. Aja Whitaker-Moore, the executive editor of the newsroom, will be promoted to editor in chief and will oversee all published content.

“I hope the next leg of this journey can really be focused on how we take the subject matter expertise to the next level,” she said.

Axios was started in 2017 by Mr. VandeHei, a co-founder of Politico, along with Mike Allen and Roy Schwartz. In August 2022, Cox Enterprises acquired Axios in a deal that valued the company at $525 million, with its founders staying on as minority shareholders.

Mr. VandeHei said Axios was not currently profitable because of the investment in the new businesses. The company has continued to hire journalists even as many other news organizations have cut back. An Axios spokeswoman said that Axios Local now had nearly two million subscribers across 30 newsletters, and that Axios’s national newsletters had about 1.5 million.

In addition to figuring out how A.I. could change news consumption by the public, many media companies are racing to figure out how to address the ingestion of their content by A.I. chatbots. The New York Times, for example, sued Microsoft and OpenAI in December for copyright infringement, arguing that millions of articles were used, without authorization, to train the tech companies’ chatbots.

Mr. VandeHei said that while he thought publications should be compensated for original intellectual property, “that’s not a make-or-break topic.” He said Axios had talked to several A.I. companies about potential deals, but “nothing that’s imminent.”

“One of the big mistakes a lot of media companies made over the last 15 years was worrying too much about how do we get paid by other platforms that are eating our lunch as opposed to figuring out how do we eat people’s lunch by having a superior product,” he said.

Katie Robertson covers the media industry for The Times. Email:  [email protected]   More about Katie Robertson

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Moscow's High Rise Bohemia: The International Business District With No Business

• Written by Dario Goodwin
• Published on March 17, 2015

The Moscow International Business Center (Also known as Moskva-City ) was meant to be Russia ’s ticket into the Western world. First conceived in 1992, the district at the edge of Moscow’s city center is intended to contain up to 300,000 inhabitants, employees and visitors at any given moment and, when completed, will house over 4 million square meters of prime retail, hotel and office space to create what the Russian government desired most from this project: an enormous financial district that could dwarf London’s Canary Wharf and challenge Manhattan . Twenty three years later though, Moscow-based real estate company Blackwood estimates that as much as 45% of this new space is entirely vacant and rents have plummeted far below the average for the rest of Moscow. The only press Moskva-City is attracting is for tenants like the High Level Hostel , a hostel catering to backpackers and other asset-poor tourists on the 43rd floor of the Imperia Tower , with prices starting at $25.50 for a bed in a six-person room. This is not the glittering world of western high finance that was envisioned back in the post-Soviet 90s; but what has it become instead?

As one might expect from a project of this sheer ambition, Moskva-City has a troubled past. The economic crash in 2008 hit Russia hard enough to evict the previous Mayor of Moscow , Yuri Luzhkov, who had been a cheerleader for the district, and replace him with the considerably more austere Sergei Sobyanin, who famously declared that the whole idea was an “urban planning mistake.” But as recently as 2013, the Wall Street Journal was triumphantly claiming that Moskva-City had risen from the dead, citing 80% occupancy rates and glowing quotes from industry insiders claiming that Moskva-City was the "place to be." Driven by record highs in oil prices, Moscow looked poised to become the next Dubai .

Instead, Moscow is now in the grip of an economic winter prompted by western sanctions and drops in the price of oil. The large financial groupings that Moskva-City was meant to shelter have been warned off by their inability to issue credit to international markets, for example - but Moskva-City isn’t just an Empire State Building left empty by the Great Depression.

A fundamental problem that is holding Moskva back compared to the rest of Moscow is the simple fact that currently, getting to Moskva-City is nigh-on impossible at peak hours. Moscow has long been plagued with transport problems, ever since the government failed to match the dramatic expansion of the city with a dramatic expansion of the transport system after the Second World War. Despite being only 2.5 miles from the Kremlin , Moskva-City is only just inside the ring road that bounds the city center and which acts as the only real transport link to it (and as a result, is clogged by construction vehicles.) A railway and metro hub has been finished, but so far only runs a one-stop shuttle service to the closest Metro station that is actually integrated with the rest of Moscow Metro. The isolation of the outer districts is a large, negative part of the Moscow psyche, and it’s not surprising that this is driving away the globetrotting financial elite this project was meant to attract.

The project is managed by architectural practice No.6, which is a constituent part of the large Moscow based practice Mosproject-2 , which is itself a public corporation headed up by Mikhail Vasilyevich Posokhin, who is apparently the “People’s Architect of Russia.” Despite all this state involvement, the project has still managed to become bogged down in bureaucratic infighting - each lot is managed and developed individually, which has led to developers competing for occupants by slashing rates.

Much has been written about the way modern financial districts and towers that inhabit them can be unwelcoming, forbidding or even hostile by design, but the skyscrapers of Moskva-City seem even less friendly than usual. The site - a former stone quarry, chosen out of necessity as the only place in the city center where a new district could be plausibly constructed - is isolated both physically and visually, leaving the cluster a stark anomaly on the city skyline. Even the names seem more imposing than optimistic now: Imperia, City of Capitals , Steel Peak.

The Mercury City Tower , so far the tallest completed building on the site, is officially “a strong reference to Russian constructivism, [which] gives the tower a strong vertical thrust similar to the one found in New York's Chrysler building .” It would be easy to criticize the Mercury City Tower for picking ‘inspirations’ that are so totally opposed to each other - The Chrysler building the defining emblem of American pre-crash confidence and Constructivism created with the express purpose (especially architecturally) of extending the Bolshevik revolution into a social revolution - but the way they smash those two inspirations together is almost beautifully ironic.

Even though the High Level Hostel is less an asset to a financial district than it is a PR problem, it’s been a huge success since opening in September, already ranked 27th out of 766 hostels in Moscow by TripAdvisor. According to the management agency for Moskva-City , 58% of the new occupant signings this year have been non-financial, including a number of small to medium size businesses. Other areas of office space have been occupied by a restaurant and a culinary school, while another space has been redeveloped into a 6,000 seat theater.

While Moskva-City is failing to be a financial district that could take on the world, it’s inadvertently becoming a humanized space catering to the very groups that the Russian economic miracle left behind. Taking advantage of rents lower than the rest of Moscow , the world class facilities and the sheer desperation of the developers, the humanization of Moskva-City could well create the world’s first high-rise bohemia.

Of course, these are not spaces designed for a community, or even for people: these are spaces designed for money, and there’s little scope for changing something that seems so baked into the design of Moskva-City . The High Level Hostel is trading off of the irony of being a hostel in a banking tower, but it’s perfectly possible that at some point people will no longer find this joke funny (especially in a building that seems hostile to the very idea of humor). The isolation of Moskva, even though it allowed this community to spring up in the first place, is just as detrimental to a humanized district as it is to a financial one: even bohemians need to move around the city, or the district risks becoming a black-spot instead of a hot-spot.

Moskva-City’s isolation won’t last forever. The end of construction will open the roads up to traffic, and plans to properly integrate the spur lines of the Metro in this area into the wider system are well under way. The integration of the district will inevitably push up rents, and the Russian economy will eventually boom once again. When that happens, Moskva-City is prime territory to be reconquered by the giants of international finance, and it seems unlikely that the municipal or national governments would want to step in to protect this accidental district. For now, though, the towers capture perfectly this moment of Russia ’s schizophrenic understanding of its place in the world.

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Moscow International Business Center (Moscow City)

• Guide to Russia

What can you do at Moscow City?

• Dine in style: Moscow City is home to 100+ cafes and restaurants, including Europe’s highest restaurant and ice-cream shop
• See Moscow like never before: Ascend to one of Moscow City’s observation decks for an unparalleled panorama of Moscow
• Admire world-class architecture: Each of Moscow City’s skyscrapers has distinctive architecture and design
• Learn something new: Visit the Museum of High-Rise Architecture in Moscow or the Metro Museum

Moscow City is a multifunctional complex in the west of Moscow, which has come to represent the booming business of Russia’s capital. Its skyscrapers enrich Moscow’s skyline, contrasting the medieval cupolas and Stalinist high-rises. Visitors to Moscow City can enjoy entertainment high in the sky, as the complex is home not just to offices, but to restaurants, cinemas, viewing platforms, and museums.

Photo by Alex Zarubi on Unsplash

History of Moscow City

Moscow City was first conceived in 1991 by honoured Soviet architect Boris Tkhor, who proposed to construct a business center in Moscow. It would be complete with gleaming skyscrapers rivalling those of New York and London, to reflect the new life and growing ambitions of post-Soviet Russia.

The chosen site was a stone quarry and disused industrial zone in western Moscow, in between the Third Ring Road and Moskva River. Initially, the territory was divided into 20 sections arranged in a horseshoe shape around a central zone. The skyscrapers would increase in height as they spiralled around the central section, with shorter structures built on the waterfront to give the taller buildings behind a view of the river. 

Architect Gennady Sirota, who contributed to iconic projects such as the Olympic Sports Complex on Prospekt Mira, was selected as the chief architect, and many other world-famous architects were attracted to Moscow to realise their visions in Moscow City.

What can you see and do at Moscow City?

Where Moscow’s cityscape was once dominated by Stalin’s Seven Sisters skyscrapers , this is no more. Moscow City is home to eight of Russia’s ten tallest buildings, six of which exceed 300 metres in height. More buildings are still under construction there today, including the One Tower (which will be Europe’s second-tallest building). Once completed, Moscow City will comprise more than 20 innovative structures.

Each of Moscow City’s skyscrapers was designed by its own architect, lending the cluster of skyscrapers a unique appearance. Aside from being a site of architectural wonder, Moscow City is a place for leisure and entertainment with over 100 cafes and restaurants, exhibition spaces, cinemas, viewing platforms, and more.

Photo by Nikita Karimov on Unsplash

Federation Tower

• East Tower: 374m, 97 floors; West Tower: 243m, 63 floors
• Completed in 2017
• Architects: Sergey Tchoban and Peter Schweger

The East Federation Tower is the tallest building in Moscow, and the second-tallest building in Europe after the Lakhta Centre in St Petersburg. Visitors can enjoy a luxurious meal of seafood, truffles or steak at restaurant ‘Sixty’ on the 62nd floor of the West Tower, or visit Europe’s highest observation deck, ‘Panorama 360’, on the 89th floor of the East Tower.

Did you know? The ice cream and chocolate shop on the 360 observation deck are the highest in the world!

• South Tower: 354m, 85 floors; North Tower: 254m, 49 floors
• Completed in 2015
• Architect: Skidmore, Owings & Merrill LLP

The South OKO Tower is the third-tallest building in Russia and Europe. Here, you can visit ‘Ruski’ to dine on hearty Russian cuisine cooked on a real Russian stove, and have a drink in the ice bar. Alternatively, visit restaurant, nightclub and performance space ‘Birds’; the restaurant is the highest in Europe, situated on the 86th floor roof terrace alongside an observation deck. The OKO Towers are also home to karaoke club ‘City Voice’.

Did you know? Underneath OKO Towers is the largest underground parking in Europe, with 16 levels and 3,400 parking spaces.

Mercury Tower

• 339m tall, 75 floors
• Architects : Mikhail Posokhin, Frank Williams, Gennady Sirota

Another multifunctional skyscraper, which was designed as the first truly ‘green’ building in Moscow. The Mercury Tower has a distinct geometric shape and copper-coloured glazing, and was the tallest building in Europe upon completion. Visit ‘More i myaso’ (Sea and meat) on the first floor of the tower to enjoy European and Mediterranean cuisine whilst surrounded by greenery. On the 2nd and 40th floors a modern art gallery, the ‘ILONA-K artspace’, has just opened.

City of Capitals

• Moscow Tower: 302m, 76 floors; St Petersburg Tower: 257m, 65 floors
• Completed in 2009
• Architect: Bureau NBBJ

The unique geometric design of the City of Capitals towers resembles stacks of rotating blocks, and is rooted in Constructivism of the early Soviet period (many Soviet Constructivist buildings can be found in Moscow). Visitors to the Moscow Tower can enjoy a range of cuisines – traditional Italian dishes on the summer terrace of ‘Tutto Bene’, Panasian cuisine in the tropical luxury of the ‘Bamboo Bar’ on the 1st floor’, and poke or smoothie bowls at ‘Soul in the Bowl’ cafe on the 80th floor.

Tower on the Embankment

• Tower A: 84m; Tower B:127m; Tower C: 268m, 61 floors
• Completed in 2007
• Architects: Vehbi Inan and Olcay Erturk

After completion, the Tower on the Embankment was the tallest building in Europe, and is now the 13th tallest. It houses the headquarters of several large Russian and international  companies, including IBM and KPMG. There are two cafes located on the 1st floor of Tower C – self-service café ‘Obed Bufet’ (Lunch Buffet) and Bakery Chain ‘Khleb Nasushchny’ (Daily Bread).

Evolution Tower

• 255m tall, 54 floors
• Architects: Philip Nikandrov and RMJM Scotland Ltd

Evolution is Moscow City’s most recognisable tower, and the 11th tallest building in Russia. Its façade is a true architectural marvel, comprising continuous strips of curved glazing spiralling high into  the sky. According to the architect, Philip Nikandrov, the spiral shape of the tower honours centuries of architectural design in Russia, from the onion domes of St Basil's Cathedral to Vladimir Shukhov’s Tatlin Tower, a masterpiece of Constructivist design. Outside the Evolution tower is a landscaped terrace and pedestrian zone descending to the Presnenskaya Embankment, which was also designed by Nikandrov.

Did you know? Moscow’s largest wedding palace was supposed to be built on the site of the Evolution tower, though the project was abandoned.

• 239m tall, 60 floors
• Completed in 2011

Imperia’s interesting design has a curved roof and an arched glass façade. Inside the tower are various cafes including ‘City Friends’ for all-day breakfasts and light lunches, ‘Mama in the City’ for simple meals of Russian cuisine, and ‘abc kitchen’ for European and Indian-inspired dishes. Alternatively, visit ‘High Bar’ on the 56th floor for cocktails with a view. In Imperia you’ll also find the Museum of High-Rise Construction in Moscow (suitably located on the 56th floor), and the Camera Immersive Theatre.

Did you know? Inside Vystavochnaya metro station is the Metro Museum , dedicated to the history of the beautiful Moscow Metro!

• 130m tall, 26 floors
• Completed in 2001
• Architect: Boris Tkhor

Tower 2000 was Moscow City’s first tower. It stands on the opposite bank of the Moskva River, and houses a viewing platform from which visitors can admire an unparalleled panorama of Moscow City. The Bagration Bridge reaches across the river from the tower to Moscow City, and underneath are piers from where you can take boat trips.

Photo by Alexander Popov on Unsplash

Afimall is Moscow’s largest entertainment and shopping complex, home to 450 shops, cafes and restaurants, a cinema, and a virtual-reality game park. The shopping centre is located in the central section of Moscow City, and a cinema and concert hall are currently under construction there.

What’s nearby?

Sechenov Botanical Gardens: The botanical gardens of the First Moscow State Medical University was created for students’ training and research in 1946. Today it is open for free visits, and is home to a large arboretum.

Park Krasnaya Presnya: This park belonged to the Studenets estate of the Gagarin princes. It is a monument of 18th and 19th century landscaping, with Dutch ponds, ornate bridges, and tree-lined alleys. There are also sports facilities, sports equipment rental, and cafes.

Photo by Akkit  on Wikipedia

Essential information for visitors

Website: https://www.citymoscow.ru/

Email: [email protected]

Phone: +7 (495) 730-23-33

Nearest metro: Mezhdunarodnaya (closest to the skyscrapers), Delovoy Tsentr (underneath Afimall), Vystavochnaya (closest to Expocentre)

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Vietnam EV maker VinFast's challenges escalate risk for parent Vingroup

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• VinFast sold 82% of its cars to affiliated companies last year
• Automaker's target of tripling sales faces tougher market
• VinFast's main backers grapple with growing financial risks

"NOT SUSTAINABLE"

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Reporting by Francesco Guarascio and Phuong Nguyen in Hanoi and Miyoung Kim in Singapore; Additional reporting by Khanh Vu in Hanoi; Editing by Jamie Freed

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Francesco leads a team of reporters in Vietnam that covers top financial and political news in the fast-growing southeast Asian country with a focus on supply chains and manufacturing investments in several sectors, including electronics, semiconductors, automotive and renewables. Before Hanoi, Francesco worked in Brussels on EU affairs. He was also part of Reuters core global team that covered the COVID-19 pandemic and participated in investigations into money laundering and corruption in Europe. He is an eager traveler, always keen to put on a backpack to explore new places.

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US consumer sentiment slips; inflation expectations increase

U.S. consumer sentiment receded in April and households expected inflation to increase over the next 12 months and beyond, likely providing more ammunition for the Federal Reserve to delay cutting interest rates until September.