Month: April 2011


Salaries Financiers

April 30, 2011

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Specialists Personnel Center "UNITY" conducted an analysis of changes in wages of financial professionals since the onset of the crisis to date. According to them, from all the top positions only to the accountant level wage has not changed significantly. As with the fall of 2008, most employers offer from 28000 to 35000 rubles. However, other specialists have lost an average of 30-35%. Wages of some employees was reduced gradually. For example, the upper limit of compensation specialist in International Financial Reporting Standards (IFRS) gradually dropped from 115,000 to 95,000 rubles.

In this case, the proposal now begin with 45000 rubles, while a year ago, started with mark of 70,000 rubles. Dynamics of indicators of other specialties differs sharply reduced. Thus, the average salary economist last fall was 42,000 rubles, to date – 30000 rubles (minus 30%), and fall recorded in March this year, just after the end of the fiscal year. At the same time reduced and compensation for chief accountants. Until the spring average was kept at a level of 75,000 rubles, and in March had already reached 55,000 rubles. Indicators of changes in wages auditor may illustrate one of the trends in recruitment market crisis. "Despite the decline in demand for staff and the corresponding drop in wages, professionals are still at a price – says the head of recruitment department "Finance Personnel Center" unity "Tatyana Chernysheva. – The level of compensation specialist audit firm, the demand for services which today are higher, largely depends on the volume and complexity.

A qualified employee is becoming more clients and income levels rise. But the less experienced can not claim even to pre-crisis average salary. This tend to confirm the results of the study. So, if before the amount of compensation for auditors varied little (60000-65000 rubles), now the lower limit of the interval fell to 45,000 rubles, and top up to 80000 rubles. " By Materials Research Center "UNITY"


Return Materials

April 26, 2011

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Output volume and value of recyclable materials shall be installed in the design and construction documents for facilities repair and reconstruction on the basis of the norms of output materials and products. From the total output should be allocated to materials and products that should be recycled at this facility. During the dismantling of structures and facilities of a special commission consisting of representatives of the customer, contractor and the project organization (major repairs and reconstruction), with logistical decision-makers to make technical examination of the object specified amount of output of materials and products under the design-budget documentation. Upon completion of disassembly, an instrument of arbitrary shape, which includes the name of the material obtained from the dismantling and suitable for re- use, their quantity, the percentage of life, the assessed value. Act is signed by members of the commission. On the basis of the act shall be made in the prescribed manner appropriate changes to construction documents (Reconstruction and major repairs) and shall be repayable statement amounts to the customer. Estimating the cost of return of materials produced at a cost of similar material in the prices in force at the time of evaluation, adjusted for the percentage of wear of materials. Allocation of value added tax on such materials are not produced.

Submissions from disassembly (hereinafter – the return materials) are the property of customer – fixed assets and accounts to its balance (unless otherwise provided under the Contract) for the appraised value of reflection on the debit account 10 "Materials" sub-8 "Building Materials", in correspondence with the credit account 98 "Deferred revenue". According to the instructions on the reuse of products, equipment and materials (VSN 39-83 (p)) and the Regulations on Procedure of dismantling buildings and structures, implementation of building designs and materials, and assignment of costs for construction projects and facilities which are continuation of the construction in accordance with developed industry and regional efforts to reduce of uncompleted construction in 2003-2005 found economically viable, approved by the Ministry of Architecture, Ministry of Finance and Ministry of Economy of 21.07.2003 12/107/158, reusable considered materials and products derived from the dismantling of structures and the dismantling of engineering equipment and used again, including after their recovery or recycling, facilities repair and construction, as well as sold to the public or recyclable as a secondary raw material. The expediency of re-use of materials at the sites of repair and construction by others on the basis of feasibility study (taking into account the cost of restoration and adaptation). If the materials, products resulting from dismantling are subject to repeated use at the facility, after bringing them in suitable condition, they are equal to materials of the customer and should not debit the contractor for balance sheet accounts. These materials are considered a contractor for off-balance account 003 "Materials accepted for processing, regardless of method of transmission of the customer (Either under the act during the survey, either by registration bill to transfer the values of Th-2 while preserving the property rights of the customer) and are not included in the volume of work performed for taxation. Cost return the materials included in the contractor only the amount of work performed for statistical reporting.


Modern Money

April 24, 2011

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Deneg.Ponyatie modern world of money every day we are dealing with the concept of money. And always depend on them. These small pieces of paper define prosperity of the family, the consistency of the firm, welfare state. The power of modern money – that they can buy any item, use the various services to build a factory or a stadium, to erect any other buildings. And that's not all that capable of modern money. Try to compare candy with a bridge or a pencil with a bicycle.

Nothing happens. After all of these things entirely comparable. And with the world of money, such comparisons are possible, is only expressed in rubles or dollars, the price of each. Because Modern money has an amazing feature – are a measure of the value of all goods, all kinds of services. The concept of money is so deeply imbedded in our lives that can affect behavior and mood of millions of people. In one case, they help to develop the production of goods and trade, science and culture in the country. In another case, when the government can not control their production, the economic life in the state dies, the prices of goods grow, the population in misery. So how do you treat the world of money? What's more, good or evil – they bring to people? Does money always existed? Always there were the same as now? And as for centuries influenced the destiny of nations? On These and many other questions related to the world of money in the history of mankind, you can find the answer.


Olympic Games

April 20, 2011

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We have the same right to broadcast the Olympics are two federal channel, and one private – ntv +. Value of the rights to broadcast the Olympic Games in Sochi is still unknown, but some experts suggest that the amount will be exceed 1 mlr. $ Planning to get from Sochi Olympics $ 125 million on the sale of tickets the organizers probably did not make mistakes, it is only the opening ceremony of the 2008 Olympic Games the most expensive tickets in Beijing will cost around 637 dollars, and the cheapest about $ 25. If we look at history, we, as a rule, each successive Olympic Games are more expensive earlier. At the Olympic Games in Athens in 2004 was initially planned to spend $ 5.5 billion, with time the figure exceeded the mark of $ 7 billion in his time at the 2012 Olympic Games in London, planned to spend as no more than 4,5 billion dollars, but now the minimum strap costs have risen to 9.5 billion dollars. Special place recently in articles by the cost of the Olympics is safe: only the additional costs of the 2012 London in this part will be approximately $ 500 million. And this is not an isolated example, tensions in the world makes its own orders: in 1998 in Nagano, almost six thousand police officers guarded the order in Sydney, two years later engaged in the protection of over 25 thousand people. Safety Games in Salt Lake City cost $ 400 million in public order and security then included not only the army and security services, but also forest rangers.


Financial Form

April 20, 2011

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His negative impact, however, can occur in conditions of overproduction. Particularly noticeable is the impact of inflation. New means of payment by entering credit into circulation, enhance, and without of overweight money needed for treatment. Credit regardless of their social side performs the functions of regulation of the total cash flow, redistribution of funds to conditions for their subsequent return, the accumulation of temporary surplus funds. What is a 'loan for the development of small business'? Classification of loan is traditionally taken to implement for several basic features, the most important of which include categories lender and borrower, as well as the form in which it is given credit loan.

On this basis, we can distinguish the following forms of credit. 1. Bank loan. One the most common forms of credit relations in the economy, the object of which appears in the transfer of loan funds directly. Available exclusively to specialized credit and financial institutions licensed to carry out such operations from the central bank. In the borrower may make only legal persons, the instrument of credit is a credit relationship contract or loan agreement. Income on this form of the loan comes in the form of interest on loans, the rate is determined by agreement of the parties taking into account the average rate of bids for a given period and specific circumstances lending.

2. Commercial credit. One of the earliest forms of credit relations in the economy, spawned a paper circulation and thus actively contributing to the development of non-cash turnover, has practical expression in the financial and economic relations between entities in the form of sales of products or services with deferred payment.


The Borrower

April 19, 2011

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It turns out that as long as credit to the customer's application simply someone did not reach his hands. and client for a long time telling "scary tales" about the bank's security service. The borrower may also not be good for weeks carrying the bank the documents, without which further work will not go, and when will – immediately sit down to the manager for his neck and will be with tenacity to ask the question: When? All this happens all the time (even in the showroom, where the next table sits a number of banks), as a rule, for one reason. Client communicates with a person who works is not very long and expectations, the manager is left alone with a whole pack of different services that will make the maximum so as not to give credit to the man who can not return it. Right? Yes, but that desire quickly turns into verbalism, when the client is perceived as falling or not falling under strictly defined framework of the borrower, who somehow decided that deserves credit.

Round of the third – the unfulfilled promises. From the bank passes the crown series attacks: "Yes, the credit committee has passed, all is well, that's just you need from the surety, be sure to Kiev registration and official income of not less than $ 2000. And a down payment instead of 10% and 20%. " From such strikes the borrower, staggers, goes to Teach corner to rest. At this moment a customer desire to receive long-awaited car is replaced by a desire to see a white towel in the ring.


Profitable Contribution

April 16, 2011

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First, you need to decide for what we could do with metal deposits. Imagine if the investor thinks that the goal to gain the maximum funds from investing surplus funds in precious metals, then, apparently, should be put on the precious metals with the highest resistance rates. In this case, however, need to recognize the need to monitor the market quotations of precious metals, as well as its defining components. This will allow to minimize the risk of loss in case of collapse in world prices for the chosen metal contribution. Other aspects affecting the decision are the interest rate of the metal deposit and the conditions of the bank when opening and maintenance of metal deposits.

Currently, however, banks are interested in attracting such investments, so the conditions are usually the most suitable for investors is when you open the metal deposits. Metal deposits and Earn revenue contributor to metal deposits is composed of two elements: the interest that accrues on the amount of bank deposit of the metal and increase the price of precious metals in the world. For those who wants to be a successful investor and make a profit, there are metal deposits. If the course has changed the value of precious metals on the day following the opening of the metal deposit, the term can be even on the same day to collect the funds with the same interest generated by the price change. From Russian banks, metal deposits, Sberbank and offers several other banks.


China Europe

April 6, 2011

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Negative impact on the economic situation has, and low saving rate ** in the U.S. was only 0.4%, which is the lowest in the world (for comparison: in the uk – 2,9%, in Japan – 3.1% in Italy – 6,8%, Germany – 10,9%, France – 12.7%, China – 24%, while in India – 28%). Household spending, which in the past 15 years, steadily increasing and in 2007 reached 9.7 trillion dollars (70% of U.S. GDP) in the third quarter of 2008, suffered the largest drop since 1980 year. Evaluating all the above, we can conclude that the U.S.

is gradually losing the role of locomotive of world economy and has come finest hour in Europe and the single European currency, which was put into circulation in 1999 What now happening with the economy the major European countries? Europe also had a recession since the pace of eurozone economic growth could not but affect the stagnation of the U.S. economy, which is the world's largest consumer of goods and services, and lack of liquidity. Purchasing power of populations in most eu countries has been steadily falling, a decline in consumer activity causes serious harm to both the service and financial sector, becoming an additional obstacle to European economies. According to economists, the imf, the direct losses of the banking system of Europe from the financial crisis was 123 billion dollars "We believe that the loss of large European banks on derivatives will be comparable with losses of U.S. banks ", – said Neven Mates.


Professionalism

April 5, 2011

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Editing should be given sufficient attention to content management system (CMS – Content Management System). Edit information site should not cause a employee challenges, artist must train the employee to work with site. Professionalism The development site must deal with a specialized it company with experience in such projects, the list completed works (portfolio) and the necessary expertise (web designer, coder, programmer). Deployment site. Many of the problems of deployment and launch site are often exaggerated. Today State agencies are well prepared for the launch site.

The process of implementing a site in the working process is facilitated by the fact that state institutions at a proper level of regulated responsibilities and sufficient orderly paperwork. As a result, it appears difficult to establish procurement process is responsible for updating the site editor, documents, news and other information. Hardware and software software. In order for the site was continuously available to visitors, it must be placed on a Web server connected to a broadband channel on the Internet. Composition of the necessary hardware and software Web server depends on the complexity of services provided by the site, the number of expected visitors and other parameters. Hardware site – it is basically a web server and the equipment for it, which is not difficult purchase of certified it company. Even in Kaznet can easily find these companies:,,,. Software – mainly a content management system (CMS – Content Management System). Content Management System allows site content editing with employees who do not have in-depth knowledge in the field of information technology, which is sufficient experience in business applications such as Microsoft Word and Excel.