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.
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.
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.
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.
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.
Repair of an old office or move to new premises – without exaggeration, the hardest test for any company. Dirt, dust, noise – this is not a complete list of the inevitable problems that are charges for future comfort respectability. But the main loss, of course – this time! Every day spent on the repair or rebuilding, dealing a severe blow and the firm and its clients. Slows or even stops the current work, break down time, nervous employees and management Is there a solution? The easiest – not to repair the premises at all. However, such an approach, although it does not waste time and money and could harm the image of the company: ragged walls and ceilings often talk about the state of affairs to eloquent advertising brochures and expensive furniture. And on the fruitful work in poorly-designed and uncomfortable office can not speak. Only one thing – Repair conduct, but so that time loss was minimal and the maximal effect. How do you do it? In this short review, we will try to answer this burning question.
Floors: a reliable foundation course, one of the most time-consuming and expensive procedure for any repair is the device of the sexes. On the value of their share in the total estimate is 25-30%! Ideally, the old flooring must be open, do the leveling cement screed, and only after plank of this new cover. It is very heavy, dirty, and, most importantly, many operations that threaten to completely paralyze the company.
A separate and very weighty component of the index of popularity of tournament – is the emergence of new participants, which in February was just four! Two robots, acting under the label, Dron, presented Yuri Chebotarev – known practitioner and theorist of mechanical trading systems, the author of a series of books and publications about robots on the Russian stock market. His system Dron1 works exclusively on the micex stock market, and Dron2 – on market forts. Introduced a new member and one of the "veterans" competition – the company Capital-IT. Speaking about the new trading robot Capital-IT Spreader, spokesman Yuri said: "This robot is a high return, which has a scheme decision solutions are very similar to that used in the arbitration robot Capital-IT Arbitrage. Its main difference – it does not hedge its position of "spot-futures on the micex, trading is conducted only at the site forts.
The absence of hedge multiplies risk strategy, but even more – profitability. Robots Arbitrage and Spreader occupy two distinct niches. Arbitrage – a risk-free low-income trading, Spreader – profitable. At the maximum risk return Spreader robot can reach 8% per day (However, there is a chance to get a significant loss). Another party – the shopping robot Tbot, created the company itcs. Robot specializes in active trading on the micex stock market. Of the robot in the company itcs told us the following: "The fast growing Russian stock market has attracted the attention of many investors, before that gave preference to bank deposits or deposit" under his pillow, "but, having followed him even a little time, it becomes it is clear that in order to succeed, you must constantly be "on the ball and monitor a portfolio. Newcomer even more difficult – how to identify entry and exit points for stocks, at what point to record profits in which – loss? Another important factor is the tension that sometimes spoil the mood and suggests the commission of improper actions, often leading to losses.
The optimal solution for many investors is mechanical trading system (MTS), otherwise – a robot. Trading robot TBot – this is quite a complex system that constantly monitors the portfolio of a dozen liquid stocks, independently determine the correct moment for buy / sell, enter into transactions – in short, doing everything the same as the professional manager. However, not subject to emotions, not asking for salary and does not go away on vacation, does not make mistakes in arithmetic and builds hundreds of plots for the day. Risk management system enables even if erroneous assumption (which is done, the ideal is not the case) to reduce losses to a minimum, and the change almost all settings – customize "under him." Thus, the robot TBot manage your capital, at the same time saves your time, which will agree, you can spend the best way, and nerve cells, which, incidentally, are not restored. " Friends and colleagues! We are open to new ideas and suggestions! If You want to share with us their ideas and experiences, or join a discussion with the creators of trading systems – welcome to our forum (authorization by the forum administrator if for some reason you unable to login, please kindly contact us at). Contest trading robots continues on the site! We look forward to new members!
Today, during the crisis investing his personal savings is at the top of all the existing issues. And decide where to invest their hard earned money while no one can say. The crisis in the country and the world according to experts is not over yet and its completion or continuation is just guesses for the majority of experts. Let's look at several options for saving their money with minimal risk to remain or with nothing. Opening of deposit in the bank. This method applies to the conservative half of the population and will work if you invest your money in foreign currency. Since all ruble deposits as they are today the order of 15-16% annually, just reduced by the annual inflation rate. Just before making a decision about investing their own funds in any of the banks should take into account who is the owner of the bank and what future goals and directions
I will begin my article with the fact that talk a little about yourself. I, like many in this world is by nature a gambler, I can not sit in one place. My knowledge of the business of transport services began with the fact that I worked the usual driver of gazelles and executed orders. One day I went to order the newly established transport company that made the order gazelle through my manager. After working with them one, two, three times, I gently asked, but I would not want to lead their branch in Moscow.
I was shocked by this proposal, I am just a driver ghazal for which to execute the order and get more money a top priority in my life J. I did not hurry with the answer and gave time to think things through. After not too much thought – I accepted the offer (and you would not have accepted the offer to become executive director of the transport company J) by the way, when I was 20 years. So, having worked in this company 3 years, having studied all the subjects, as the saying goes inside, raising the turnover from scratch, once again from scratch, my vysokopochtennoe leadership decided that without me can handle – just to put it mildly, was asked to leave. Perhaps this is correctly, because why pay a person not small money, if it is already everything is automated and it works fine without his help. I probably would have acted the same way (though not sure).
While headquartered in Cincinnati, All Financial Service helps clients throughout the world. Beginning in 1990 with one office and four individuals who spoke four languages, the company then expanded six years later to offer its services around the world.
Navigating the financial world can be a challenge for the most intelligent individual who does not have a head for different levels of finance. We work with smart, high net worth individuals but also SMEs. We pride ourselves on making the world of finance simple enough for everyone with a brain to understand.
We like to believe that our uniqueness is based on the fact that we talk to each and every individual client one-on-one. This way we get a better feel for what they need and how we can help them. We don’t have the arrogant belief that only we can make the financial decisions to help navigate this industry; instead we believe in working together to find the best solution possible.