The optimal BitCoin withdrawals in cash or QIWI

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Hello!
Those who have experience, please share how with minimal losses to withdraw from the currency BitCoin to QIWI rubles or cash.
It is more and more relevant topic, it would be great if someone knowledgeable would write a review of best output methods.
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I just put you on mobile here: btcpay.ru/but less than we would like it turns out, then through the Beeline.Mobile wallet virtual visa Kiwi.
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And: Everything here — people.overclockers.ru/phants/record3only step exchange LR to cash4wm.com choose QIWI wallet.
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I endured LR USD to liqPay/Privat24. All interest and komisiyi loss of about 10% (0.64@mtGox + 2@mtgox2lr+6@lr2privat24+0,75-1@cashout in ATM).
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If you look at the courses cash4wm 10% for lr2visa become 13.64% BTC2visa. try to look for more loyal exchangers.
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In General the estimate can be:
+0.64 — mtGox fee for each sale
+2 — mtGox to LR
+1 — LR to the exchanger (in the LR Commission of 1%, charged from the sender)
+X — Commission of the exchanger.
Ie, less than 3.64% loss can not be, except to prodavati not using mtGox and moneybookers.
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Exchangers which operate in Ukraine, the average Commission of 5% on LR to ANY. For 5% I can put your LR as the account in PrivatBank and to cash in Kiev. How are things in Russia do not know, but 10% find extortionate.
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N. B.: bitcoincharts.com in the is constantly flashing ads from fake, IMHO, exchangers, promising konvertnut LR2ANY 1%. Be careful
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with exchange LibertyReserve to withdraw and then choose your exchange into your currency here www.bestchange.ru
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I'm changing here btc-qiwi.ru
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Lord, what a question. And if the authorities will find fault with your strange income?
It generally falls under the article and pay fines?
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