Yalnizca

The financial crisis born in the financial and construction industries the U.S. has spread to the entire planet. In 2000-2005, the U.S. was rampant distribution of loans, including mortgages, home under a mortgage is not only took the "lazy". America lives in a debt. The first serious "warning bell" sounded from the beginning of the crisis in late 2006, when U.S. trading because of defaults on mortgage loans has been exposed for nearly a million homes and lenders have suffered substantial losses. More information is housed here: Andrew Cuomo.

The whole of 2007 the U.S. Fed lowers key interest rate, trying not to let the crisis in the economy, but to no avail. Crisis Freezes residential construction in the U.S., increases the rate of inflation and unemployment in the U.S. economy starts declining. In 2008, the crisis becomes the world's "treasure". Until September 2008 Europe holds the blow of inflation and unemployment rates are not bad, it is possible to reduce the percentage rate. In September, another blow from the ocean.

The two largest agencies, Fannie Mae and Freddie Mac, which for decades bought back from the banks mortgages are billions in losses. Debts on mortgage loans completely paralyze U.S. construction industry. To prevent the bankruptcy of the two companies are nationalized. Bankrupt's largest bank Lehman Brothers. He owes $ 157 billion ten largest lenders. Then bank Merrill Lynch becomes the latest victim of the crisis, its buys Bank of America. Panic starts and falling stock markets around the world. National indices are competing in the fall with each other. Russian leader in the fall of the national indices and the stock market, but because of its small volume, stagnation of Russian manufacture, and the financial sector does not occur. On September 30 the U.S. rejected a bill "Paulson plan", one of the main points of which was the addition of 700mlrd. $ In the financial sector. Opponents Congress did not agree: "Why the irresponsibility of financial management must be designed for the taxpayer?" Exchanges of all countries react to news of yet another friendly fall, the RTS index fell below 700 points. Finally, on 3 October, under pressure from the U.S. president "Paulson plan" still accepted. October 14 leading EU countries have allocated total 1.5 trillion. euros to fight financial crisis and lower interest rates. U.S. lowers interest rate to a record 1%! In October, Russia also allocated 950 billion rubles. to support the financial system and insures bank deposits of savers up to $ 700 thousand rubles. In Russia, the economists say, the crisis manifested likely to reduce salaries, but not for unemployment. November 7 world markets show optimism after the U.S. statistics. True, the rate of unemployed amounted to 240 thousand people (at the expected 200 thousand), but in general not so bad. Begin if from this point (October 3) decline the crisis? Or will it only a temporary respite? Yuri Chashin.

The last few years in Moscow and St. Petersburg is actively developing new direction of commercial real estate lease. On the basis of co-vorking center rent a office for an hour and a day. The lease shall be fully equipped meeting rooms, offices and jobs in the required time from one hour. The advantages of such lease are clear. Time is determined by the client, and payment is made in the hourly regime. This helps significant savings to entrepreneurs who need office only for meetings with clients. A client sees a presentable office in Nevsokom Avenue, overlooking the Kazan Cathedral.

This is an opportunity to meet in presentable office in the center of the city, in a business environment, and this in turn has a positive effect on the reputation and image of the company. Just rent a room this type of service is not limited. With meeting room, secretarial services, use of office equipment, Internet. Many rooms are equipped specifically to conduct trainings and seminars on training, there are boards, plasma display panels with connecting to a PC. Disadvantages are virtually absent. Room or office is booked in advance by telephone, which eliminates the possibility of "cross" with other companies.

Also there are no signs and other markings that could be said that the office, which conducted the meeting, is not your time. Successfully used this type of lease is not just freelancers and private entrepreneurs, but also large, long-established companies, for example, to conduct interviews with new employees, thus preserving the confidentiality and performing tasks on the formation of the state. More recently, appeared in great demand service has been in business circles. Lawyers, real estate agents, designers and photographers, event organizers, consultants, and many others have already done the hourly rental of meeting rooms and jobs as part of its business strategy.

Answer the question, what makes prices rise? Demand exceeds supply, well, falling prices, respectively, in the absence of demand. This is the cornerstone. On Eastern markets were? If you liked the thing and the seller has called the original price, you can at least roughly to assume how much it will actually buy? How many factors, and random, will affect the end result? The mechanism of price formation, in different markets is very similar to it its uncertainty! Consider, as an emerging market prices, the example of the foreign exchange market. Thredup will undoubtedly add to your understanding. Imagine the local bank was given the task to buy unit of currency on behalf of a client, his actions: he sees the indicative quotes, for example by Reuters, sees who puts price on sale, via Reuters Dealing goes to the counterparty enters into a transaction, everything is simple, but there is very big BUT. Firstly, it is of little interest rate, the same application client, and he must perform and, secondly, the important role played by volume, and that if he should buy a little more currencies, it generally comes in the first case but still collects and ack of other contractors. Official site: Thredup. I think it's also understandable. Fine, but if you need more currencies, this is already leading to the movement of the course. Speculators – dealers of other banks, which are also in the market and see the amount and earn on short-term movements, monitor the market situation and as soon as the real buyer, the game begins, in order to profit from short-term speculation in this case for promotion. .

In this article I would like to talk about the concept of "Casco calculator." The idea originated when the statistics of "Yandex" I saw that people enter this month inquiry more than 15,000 times. After the introduction of this request, they go to sites which is located and this "calculator" in order to calculate the value of the policy. Let's start with the following question: "What is to represent Casco calculator?". This should be a beautifully decorated box to enter data such as: 1. Make and model of car 2. Year of release 3.

The approximate cost of 4. The number of persons admitted to management 5. Their age, years of 6. Protective means which is equipped with a car. After the data entry program to calculate the value of the policy of "20 insurance companies with discount." You click "calculate" and (multiple) – see nothing – see the following phrase: "Your application has sent" – see calculation in the end you feel cheated, because even if you see the calculation, it would be wrong. When you call and order policy, then you will say: "This was a preliminary calculation, unfortunately, it's wrong," One small Disclaimer – I have seen only one correct calculator online, but it is not. This is because the data you have entered enough. Even if there were enough to update the calculator is very expensive and useless pleasure.

Tariff policy, the methodology of calculation of car insurance varies in each of the insurance company every two weeks. In addition, if you see a calculation of price and you do not like, you can simply close the page and leave a this site. It is unprofitable to the owners site since If you call, then you will have a chance to catch a good suggestion, or to understand the reason for your departure to a competitor. In the end, we obtain the following calculators Casco on the Internet is not – they are all forms of feedback, created in order to get your details and contact you for clarification of data. Ps: People shake on the "calculate" up to 20 times and brokers come to the post office 20 mb of identical bids.

Prerequisite for obtaining a bank loan is a business plan. Business – Plan helps guide the company to evaluate current affairs, control and direct the production and commercial operations, to anticipate the future. In addition, he must and can be used to attract partners (including Western) for joint ventures, joint projects or funding enterprises in one form or another. Small business plans for the loan differs from the business plan for an investor in several aspects: the business plan for a loan must show the need for enterprise funding at some point on a specified date; should prove advantageous for Enterprise use of borrowed working capital, business plan for a loan is aimed at, to show the bank or another lender a high level of solvency, which means – an opportunity to repay the loan and interest for its use. Banks generally will not be interested in details of the business plan, have no direct relation to the solvency and liquidity of the enterprise. His interest in the first place, the existence of an enterprise of serious collateral or guarantor. If this condition is satisfied, the next question bank will be about accumulated enterprise accounts, and especially accounts receivable. The bank will be interesting, to whom and how much should the company if there is overdue.

The process of obtaining a bank loan – a procedure quite lengthy and requires the preparation of a package of documents is time consuming and strong nerves. All this time, the bank requires one document after another, the requirements for the necessary documents may be changed even during processing the transaction. First we have to deal only with the loan officer, then the chief of the credit department, and if the bank considers a loan to a large category, so with the guidance of a bank branch. Amount issued Bank loan is usually no more than 40-50% of the value of the collateral, which is determined by peer review. Promotional credit conditions are usually very different from reality. It often happens that in the process of obtaining credit bank ‘offers’ company to pay some more fees and additional fees for obtaining a bank loan. Neafishiruemye bank fees for the loan could amount to 5-10% of the loan amount, usually a it appears already at the design documents for the loan.

Another bad point is that the bank usually requires the opening of current accounts at home. A bank may not agree with the results provided by the expert evaluation, and most often – ‘softly’ ask the company to apply to the recommended his own expert appraiser, the cost of services which are usually in 1,5-3 times higher than the market average. In addition to the costs of peer review will incurring costs and insurance transactions, which is required by the bank. For the insurance transaction is also true with respect to the above expert appraiser. Analysis of world practice shows that potential partners and investors with great attention to the study include a business plan for the desire to have a clear idea of the proposed production, its scale and market potential, how to promote a product on the market, future profits. In addition to production and financial sides of an issue they need to make sure that the potential partner has the necessary human and material resource that will enable a profitable business.

Therefore, in this block is entirely your decision whether you will save their time and money to pay for it or are you willing to spend the time to solve this issue, but an economic advantage. Day of the transaction. That brings us to the key stage of our process – the day of the transaction. Of course, you, like many others are afraid of this day, and it seems you are very emotionally difficult. I also went through it and fully understand your feelings.

Let me tell you about what you would expect in this day. I know that it can seem strange, but at this stage assist the realtor you are absolutely unnecessary. Here's why. If the date of the transaction you will understand that and in what order is what pitfalls await you what documents you will sign and in what order, what they should be and what should not be there, you absolutely can safely do without the services of a realtor and do it better and better, than with him. Why? Because Once you know which documents you are ready to sign, on what conditions are willing to accept in order to feel comfortable while still solve your housing problem. A sense of comfort in such an important day is important. Often a professional will you persuade, persuade, and to insist on his point of view.

Sometimes you will try to manipulate, just to quickly finish the process, leaving a number of issues in Russian maybe. Of course, this may cause you some level of discomfort. If you are on a transaction without a realtor, then you count only on themselves and are moving at a pace that is comfortable for you. Remember – he who pays the piper calls the tune. You – buyer and absolutely can safely set the pace of the processes, which is comfortable for you. Do not succumb to provocation and manipulation. Make this day comfortable for you. If you possess the necessary of knowledge and know the procedure itself, if you understand that in what sequence should occur, you calmly, thoroughly and deliberately dismantled all of these points yourself. Register of transaction (if applicable). At this stage you need to get to Companies House and pass a standard set of documents in the receive window. This step is simple in content, but complex in execution. This is due to the same problems we have discussed in the section devoted to the collection of documents for the transaction. If you are able to "break" to the window – do it yourself. transmission facility and the completion of the transaction. All documents for this stage you should be physically prepared on the day of the transaction. If so, what part you do not need a realtor. The essence of this stage is that you need to get registered in the registration documents of the House. It is usually made much easier than submit documents for registration. You will then meet with the Seller's apartment, check that it did not happen at the time of registration, and sign an act of reception and transmission flat. Climax. To loud applause you pass the keys to the apartment. Only after that your transaction is completed fully. That is, in fact, we covered the basic large blocks, which you are going to solve your housing question. As you can see, quite a lot of issues we can solve by themselves, and save a decent amount of money. What would I sincerely wish you.