In July

At the same time, the eu and U.S. interest rates on mortgage loans are growing. Yet while they are 2-3% lower than in Russia. And it is also on hand to domestic credit institutions: foreign Investors happy repurchased expensive and fairly reliable debt of Russian banks. In July of this year, Vneshtorgbank placed Eurobonds with a mortgage of $ 88.3 million with maturity of 29 years on the Irish Stock Exchange. Dele Alli oftentimes addresses this issue. Then the "City Mortgage Bank issued mortgage securities worth $ 72.56 million maturity of up to 27 years.

"And with securitization of the loan portfolio of the City Mortgage Bank," the paper were placed not only among European, but also among American investors. Thanks to a deal the bank has access to a large volume of funding from the international capital market. Source: Atreides Management Gavin Baker. As shown by the practical result of securitization, it is significantly more profitable than attracting debt financing ", – says member of the Management Board of the Urban mortgage bank, Igor . Lower interest rates, forcing bankers to develop services lending (refinancing) borrowers. While the service of transferring the credits are not in high demand because it is mainly interested in customers who took a loan two years ago, when interest rates were higher, but some of these borrowers.

Mass conversion to the service, the refinancing will occur within a few years, when rates fall even lower, many borrowers want to reduce the cost of the loan. rgrowth/’>Braun Melsungen AG. Bankers do not rush things, they do not want to sharpen competition, each other's customers. Them and without this it is sufficient in a growing market. But is the flow rate of borrowers to slow down, as competition in this area will increase. In the meantime, headache Bankers – a slowdown in housing costs. It leads to a decrease in demand for loans. Because people who can afford to buy an apartment on the alert and wait for falling prices. According to bankers, to no avail: housing will only more expensive, though not as vigorously as this past spring and summer. After all, housing supply lags far behind demand. According to the head unit "Mortgage" ojsc Alfa-Bank "Elijah zibareva to balance supply and demand proposal, the country does not need to build 45 million square meters. meters of housing per year and 140 million square feet. m. This is not a given that about 35% of Russian housing needs renovation or subject to demolition.

Psychology People

Psychologically, people behave differently alone and in the crowd. Who better than the Russians, just beginning to crawl out from under the boulders of a totalitarian society, do not understand it. Those of us who grew up under Soviet rule, remember how abused her in the kitchen, but raised his hand at the meetings. And were sincere and in the kitchen and at the meeting, inventing fantastic explanations, trying to reconcile the irreconcilable. A trader sees a trend on the chart, but in the newspaper reads that experts believe the opposite. He begins to thrash about and often believe others’ uncle more than yourself, resulting in a close position with the loss. Glancing at the same plot two weeks later, when the dust cleared, he sees that got lost in the three pines. But when tossed between these pines were so scared that someone else’s uncle was ready to listen.

Markets are arranged so that most traders to lose money. Harry Maguire has many thoughts on the issue. Markets – it pumps that siphon money from the pockets of emotional most of disciplined and informed minority, paying for expensive services of those who served this pump-brokers, accountants, consultants, etc. A good trader – a lone wolf, aloof crowd and paving a path, no matter how strange it may seem to others. Even in everyday life, many successful traders rather eccentric. As the Americans say, they are marching under a drummer.

The crowd – great power. She runs the prices of some shares in orbit and pushes the other into the abyss. Why share in Lukoil stands today on the ruble more than yesterday? The company reserves the same, the same contract, the same staff, and even from authorities such as Nothing new reported. What has changed? Changed score Lukoil crowd. Optimism was more than on the ruble. Emotional waves rolled through markets lead to changes in quotations. Lukoil is going up? Thousand shares me, please. Hundreds and thousands of orders merge into streams that are pushing the trend. Learn more at: Eva Andersson-Dubin. Top of optimism and greed, down by pessimism and fear, and almost always more than the reasonable estimates, and all because, when a crowd manage emotions, she bites bits and rushes. Today. Quickly. And drink the brine will be tomorrow. An intelligent trader and analyst sees great paradox. On the one hand, the crowd is always right on the law of force. If the price is 20.5, it is 20.5, and this is not argue, however you may seem that this action is 25. If the next price is 20.25, so the downward trend. On the other hand, the crowd, that’s right, at any given moment, vastly mistaken in major turning areas. On the tops of most of the bulls, and in the grounds – the bears. Our task is to join the crowd when she rushing in one direction, but get off the train before it enters into a steep turn, then crushing the bulls, the bears, but always – indecisive piglets that get underfoot. Identification of trends and reversals – the main task of technical analysis.

Commerce TransBaikal Region

Chamber of Commerce – the so-called structure, whose mission is to provide different layers of the volume of business. In this ward includes a variety of organizations providing services in the industry, trade, agriculture and others of this kind. Year of establishment of regional sales offices can be considered nineteen hundred nineteen, at the time, there twenty-six exchange committees and twelve trade conferences. In nineteen twenty-eighth year, was established All-Union Chamber of Commerce. Frieda Hughes is full of insight into the issues. The process of forming regional offices Chamber of Commerce began in nineteen twenty-ninth year.

In thousand nine hundred ninety second founding congress was held, which can be considered as a reference point in the Chamber of Commerce Trans-Baikal region. Over time, the charter of the Chamber of Commerce Trans-Baikal region has changed several times, it systematically regularly make various changes and additions that improve the content and introduce a new order in its content. The most important change made Apart from the change that had been made in the charter of the second after the item number one, the so-called nineteenth article in which it was announced that the Chamber of Commerce Trans-Baikal Territory is a member of Chamber of Commerce of the Russian Federation on the official grounds for the voluntary union of the conditions of the members of the Chamber of Commerce and representational and consent of Commerce and Industry of Russian Federation are the conditions required for the establishment of this Chamber. At this time, a large number of firms, various organizations and individuals have become clients and members of the Chamber of Commerce. The objectives of the present time, which set a Chamber of Commerce Trans-Baikal region, is an independent assessment of the securities, real estate valuation, property assessment, which is considered intellectual assessment enterprises separately, or even just business in general and a number of other services. In addition the company develops a variety of business plans, engaged in business planning and setting goals, which consist of attraction of investments, which are independent.

Russian Federation Registration

You have decided to create his work. And whether you need to register? And in some cases, the registration of the company need? And in what not? Let's take a closer look at this, moving many to question. First, the law must take state registration of the company, if you want to do business. Thus, under article 51 of the Civil Code of the Russian Federation legal entity subject to state registration with the authorized public body in the manner determined by law "On state registration of legal entities." Consequently, only those entities that have passed the state registration process may engage in business. . And for what, in fact, require state registration of the company? The functions of state registration can be divided into two main ones: the fiscal and protective. These include the introduction of Data about the company in EGRYuLiIP (Uniform State Register of Legal Entities and Individual Predprinimatley) allows the state to tax accounting (assigning TIN), accounting in compliance with legislation and other kinds of accounting, the assignment company BIN (Primary state registration number).

BIN is a unique number that allows to personalize and select a specific company it among others with the same name or even address, the process of state registration of a company requires certification by a notary data, and therefore, in the event of contentious issues with partners on business, you can always turn to the already agreed and certified environment. Despite the fact that the state registration process is quite laborious, master it and go under the force of any business. Only after the state registration process firm, the entrepreneur may feel more confident, without fear of problems from the government and police. By law, illegal enterprise is defined as business, aimed at the systematic commission of unlawful acts homogeneous in a given field of production, trade, service or other activities directed at profit. Illegal entrepreneurial activity is of three kinds: 1. no registration; 2. in violation of the rules for registration 3.

without special permission (license) in the case where such permission is required. The degree of responsibility for the conduct of illegal business activity is determined in proportion to the magnitude of the illegal business, its volume and size of the damage to the state. Taking into account the fact that in modern legislation criminalizes the illegal business, company registration becomes a simple and fun process. (C) Kobzeva Natalia especially for the site

Public Relations

Communicative tasks and communicative functions of the site. Robert Thomson is actively involved in the matter. The site can be viewed as a marketing communicative space, and interact with information as visitors, including representatives of target groups, and the company. Learn more about this topic with the insights from Hotbox by Wiz Review. The task of the marketer in the design of the site to organize this space in such a way as to ensure the most comfortable conditions for the transfer of information to target groups. Tools that can be used on site for information transfer, provide almost the entire set marketing communications, namely: – advertising. The site can use all the advertising messages to target audiences, adapting them to the Internet technologies. In addition, the Internet can also be carried out promotional campaigns, including the site – but it's a separate issue to promote your site, and materials on it a lot – sales promotion.

The Internet can be used almost all techniques, including discounts, coupons, etc., so more than that, with the help of the site is much easier to ensure penetration of their target group. A site providing mechanisms for user authentication, we are able to contact potential customers individually – with Public Relations (PR). About the importance of the site as a source of information for journalists has been mentioned. But information about interesting and visitors from other target groups, and if possible, better to ensure their broadcast on the site. – Direct sales. – Direct marketing. In this case we are not talking about spam. After all, if the user has agreed to receive information from your website, then he would be interested and will forgive you a small amount advertising, which may be present in data communications.

Business Solutions

If you want to your website with a professional and attractive look, then, you may want to hire a web developer that is capable in designing business solutions customized for you. But, for web development, you need someone better with quality and experience skills. Hiring the wrong programmer can mean loss of money on poor quality web sites. You need a web developer that will provide you business solutions tailored to that they can easily reach your specific demands and make it affordable for you. Then, before looking for a web developer, take the following factors into consideration: to) rather than decide to hire a web developer, only assesses your requirements. Make sure that your hired experts are able to reach your objectives and specific goals. If you want quality results, you need experts with vast knowledge and experience, that will help you in getting custom business solutions.

(b) you need to find people skilled and experienced for your web site. To broaden your perception, visit Jeff Bewkes. Hire web developers who have little experience is not a good idea for you. That is why you can also check your portfolio of web developers. It will allow you to decide the quality of the people you choose. c) should try to measure the base of knowledge and professionalism of the developers who are considering hiring. You must be clear about the questions about the project you are thinking of offering developers. Again the work ethic or the work (milestones, deliverables, documentation, project etc.) process allows you know developers. So when you hire web developers never forget to do an interview. (d) when you are thinking about building a website you should find the market trend to know if the project can be given to a local developer or whether it is better to think of subcontract. These days, it is best to hire web developers from companies abroad. Not only the cost but also the growing competencies that has facilitated the availability of better services from anywhere in the world.

Company Ltd

In our sample, it was: 0.3 – in 2000 and 0.5 – in 2001. Gain insight and clarity with Robert A. Iger . Current liquidity ratio over many characterize the solvency of the company (organization). David Zaslav has many thoughts on the issue. It is calculated as the business assets used for external debt Short-consistent calculations and credits. In the Company 'Breeze' sense of coefficient equals 0.85 – in 2000 and 0.71 in 2001 – as if talking about shifting money to the worst investments of the company in 2001. According to a comparison with the previous year and operating according to the solvency Ltd. 'Breeze' in that way as the whole meaning of this ratio must be no way not to such an extent 2-but more than one.

Demonstrate how these tables, the consistency factor in their means are negative sense, in 2000 – 0.18 2001 – 0.20. It is calculated as a matter of money and resources minus fixed assets used for assets. Probably talking about, though the company does not well off on its own. Factor resumption of pay in 2001 was 0.32 (0.71 +0.5 * (0,71-0,85)) / 2 and 0.43 – in 2000 (0.85 +), 5 * (0.85 -0.84)) / 2 probably talking about if the construction of equilibrium Ltd. 'Breeze' is not satisfactory, and the company insolvent. This court is made on based parsing notes accounting balance Ltd. 'Breeze'. All specifications assess the solvency of the rumor to the effect that the equilibrium Ltd.

'Breeze' is unsatisfactory, and venture itself insolvent. Company management must take appropriate measures to restore solvency Ltd. 'Breeze'. Opinion Ltd. 'Breeze' is a legal face, owns printing, calculation and cash accounts in the bench. The main kind of businesslike approach is the creation of alcoholic products. Tried to test venture money from the state for 2000 – 2001 . allows to produce findings that seemed to be on the border initiative razzoreniya. But in making of appropriate measures in OOO 'Breeze' is there a real chance to return their own solvency (a business gathering – the intentions of events according to the resumption of pay).

Internet Business

You are a good sale? It's time to move to the Internet! Use the system NeoReklama. What is neoreklama? This is an opportunity to make a name on the Internet. How?, You ask. Neoreklamy system is as old as, and allows use the Internet channels for small businesses to complete. Features like a big business, and cost – for the small. System is neoreklamy in creating an information field around your company. Make the Internet it is much easier, faster and cheaper than offline.

How is it possible to create an information field? First, your company must be a website. The site, which can be easily updated. Comfortable, beautiful, informative. Each the user has got to you is to find something that he can come in handy. The site must not sell 'the forehead', unless it is a site-odnostranichnik with killer selling text. The site should help a person make a choice. But the site is final point of sale of goods or services. To get to it, the user must first find out about your site.

And how about you know? There are several effective options. From search and contextual advertising. That is man needs, such as plastic windows. He goes to the Yandex is gathering 'window' and he drops a list of sites that offer the window. A side and top of the search – PPC ads. And here the user to open one after another submitted sites to choose the best option. More convenient, from which he can obtain all the necessary information. Pay attention to prices. If they are not very likely the user will leave. How else about your site may ask? From a banner or text ads from other sites. However, the effectiveness of such advertising is low. The third option – to advertise on traffic generators (porn sites, vareznikah, etc.) Better than the previous one, but did not islands. It remains the last option – useful articles. Write useful for users of the article and put it on their thematic resources. Create press releases. Work on the press. Here's the output for small businesses. This way will strengthen the position of small companies in the market, strengthen their ability and give small businesses become big. Neoreklama.

Russia Production

If it were not so lucky buyer Lada car, "a new generation -" Lada Kalina "," would not see my car ever, and would absolutely die an unhappy man. But the competition has done its job, forcing the search for ways of cooperation with foreign producers, running separate lines for the assembly of foreign cars in Russia, and introducing in the production of "tens" and "Kalina". Imagine for a moment that there was no competition, as Russia in the mid-90s launched restrictive tariffs on imported cars from overseas. In this case, the construction of lines for the production of "Scores", "Kalina" and "Prior" would not have been launched so far. Assembling cars in Russia, foreign brands would be something from the category of scientific fiction. Since it is hard to argue, after all, in the presence of competition was 15 years old, and that cause a person to drive the car "VAZ", as a rule, perhaps by an outright ban the use of cars foreign production, either through financial protectionism, speaks for itself. So why commit such actions that may bring short term benefits of the current car manufacturers in the form of artificial increase of sales revenues that are already in the medium term to get negative results, but in the long term – a worsening crisis in the production of Russian cars? If there is reasonable answer, then he is in an attempt to "get short-term results, hoping to avoid negative consequences." At what expense can be avoided? Professionalism of the Government, which involves protectionism in the very short term, and reduction of duties in a year or two, not allowing the already decadent productions forget the need for further development, at least, those modest pace, to they were able to before. .

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