Archive for April, 2011

Car Loans

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Loans to purchase cars available to citizens and organizations, ie natural and legal persons. The minimum loan amount depends on the client's solvency. Term of the loan – from 6 months Up to 3 years (but the car can be picked up at once and immediately start using it!) Interest rate for avtokreditnymi money will be greater than 11% per annum (in rubles) and of 10% per annum in foreign currency. With an initial contribution of at least 40% of the value of the purchased vehicle income statement is not required. The period of the loan repayment can be issued a contract of pledge the car creditor bank, or maybe not, but ob vehicle before the end of payments on the loan will be stored in the bank. Avtokreditnymi money can buy, and car insurance (compulsory and and insurance) and its presale: anticorrelation, music and other accessories.

Credit for purchasing a used car can be obtained upon payment of an initial payment of at least 30% of the value of the purchased vehicle. Auto loans up to $ 1 million rubles granted without sureties. Car Loan today most mature (Forgive the author of this word – 'run-in', the massive scheme for obtaining credit). Therefore, the method of presenting the details of getting car loan was not chosen by chance, I would like this to remind reader conciseness and information capacity of the road signs. That everyone should know! (The terms of the auto loan) – Intended purpose: a loan to buy new cars with domestic or foreign production – interest rate: 10% for loans in dollars (for the remainder of the debt!) and 11% for loans in rubles – the fee for the issuance of credit: – $ 200 when you buy domestically produced cars – from 250 dollars when buying foreign cars – a term loan repayment – up to 3 years old – loan amount: 75 thousand to 100 thousand rubles, or from 2500 to 35 thousand dollars – the minimum initial contribution – 20% of the cost of the car; – early loan repayment: amounts not less than 15 thousand rubles, or $ 500 without paying additional fines and commissions over the life of the loan agreement.

Central Federal District

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According to Anton Kolpakov, General Director of the company to increase investment in infrastructure construction, especially fiber-optic communication lines, also planned to implement a project to establish a satellite data network in and Magadan region. Group Companies of Svyazinvest, which unites seven regional operators, the structure of which is a major long-distance and international communication "Rostelecom", continue to build networks regions, which was begun before the crisis. A "Center Telecom announced further investment program, which involves laying fiber-optic channels to almost every municipality of the Central Federal District. Crisis – the best time for innovation? After the August events in South Ossetia, as we know, many foreign investors were scaling down their program. Began in the Russian crisis has strengthened their outflow in part by provoking the collapse of stock. However, the trend seems to be reversed. Now rts fraction of active foreign buyers is growing almost faster than the number compatriot.

There are those who do not go to market, believing that his perspective is more important than political and speculative reason. Some Western companies tend to have long operating in Russia, felt that the crisis – is the best time to actively promote their technologies and productions. For example, the company , a European provider of solutions made of metal for construction and engineering, the continued development of the steel service centers are very popular in Europe and relatively weak prevalent in our country. It's not just the base metal trading, and the complex with its own production, warehouse, logistics and transportation services.

Bank Loans

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Yet, having met with the spirit, the customer collects a last effort in a fist and transforms into a desperate counterattack: "So you said, You promised Where can I get bail? How much do you have spoiled my nerves, "etc. Thinking and making a few calls, he nevertheless agrees to these conditions. But the client in this round may be a surprise when it turns out that for a loan he applied to several banks. And now – the culmination of the battle: at this stage, the client may be sent to the canvas by the bank when he still refuses to grant credit. This is possible if the bank learns that the official salary of the customer's minimum, possibly, Sa find something, or maybe just on the committee some of its members, being not in the mood, "cut down" the loan application. Much worse where the bank already issued a letter of guarantee for the loan and the borrower well designed data sheet on the car, suddenly refuses to credit for some re-finding.

Often, it is either negative credit history, or does not match information on wages actually. In this case, the aid is likely to come motor show, because car-it is already designed for the customer and the money for it has not received. And the client has already spent money on car registration in the mpeg (3% 400 $). The situation is very complicated and the upshot of it is always his own. The client here, too, could be interesting tricks. Understand what the manager did not achieve, he begins to seek assistance in the form friends, working or associated with the bank, to somehow influence the situation. If not found, then turns to the loan broker and questions begin to be addressed. In this scenario, costs will increase by another 500 $ -1500 $, but the results can surpass all expectations: the bank suddenly changes his attitude, and rang aunt tells you that the issuance of the loan tomorrow, no more documents do not need a passport, code and money on commission.

Here Some understand that the additional costs incurred anyway, but my nerves are not preserved. Many have criticized such work brokers say, is not lending, and "reshalovo. But the bankers themselves, and this situation created. If there is room for "Reshalova" means the bank is doing something wrong. Naturally, the latter does not apply to the broker with the use of illegal action.


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In 2010, banks abruptly began cutting rates on deposits after the refinancing rate, which fell to a record low. Now the banks offer us the contributions of up to 11% in rubles and up to 6% in dollars and euros. And this is not the limit: because of the high liquidity, reducing the refinancing rate (the rate at which the central bank provides loans to commercial banks), banks become profitable to take money from the population at high rates when they can take the credit a lower percentage of cb. In connection with this condition in the banks for the newly opened deposits are becoming tougher. In particular, where the percentage is still relatively high, not provided for the completion of the contribution, the monthly capitalization.

Nothing remained of contributions to the removal of the deposit amount before the expiry of the payment without loss of interest (only at the rate of demand, which is less than 1%). All this makes the Depository deposits less attractive and profitable. What can we do for those who want to open a new contribution or those who are due payment of the deposit and must be determined from the released amount? Invest in something else? How about those who do not want to take risks and wants to receive a guaranteed percentage of the bank? Open a new contribution to a low interest rate, which is lower than inflation? But then you did not earn and lose money. Train with high deposit rates did not catch up, and when will next is unknown, probably when the next crisis was coming.


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In accordance with the law on civil liability of owners of cars and other vehicles, each vehicle owner is obliged to insure the car. Calculate insurance can be in any osago calculator, which can be found on the Internet at any Insurance companies provide insurance services to the population. The calculation of premium is made up of different amounts that depend directly on age of the owner of the vehicle, as well as the age of persons admitted to driving. The calculation on the calculator osago, includes the type and power of a car engine, and an important factor is coefficient, the so-called accident-free travel. The estimated cost of the premium, calculated on a calculator osago in any of the sites will be approximately equal to the value declared by you to insurers agent. It is also necessary to remember that insurance is compulsory motor tpl insurance – the service is mandatory for all automobile owners, and if it is missing perhaps the imposition of penalties by the traffic police. That is why, in order to have the possibility of free movement to mandatory insurance. In 2003, the Law came into force on liability, under which every car owner must insure their civil liability that may ensue as a result of the accident.

Contacting any insurance company, you will receive payment in full osago. The amount of the insurance premium depends on age the driver and place of its registration, as well as the type and engine capacity car. In each region the tariffs for compulsory motor tpl different. A preliminary calculation osago you can manually, using the services calculator, which provided virtually any site of companies that deal with insurance. Now fortunately this is not a problem, it is sufficient in any search engine to type keywords' osago calculator 'and your review will be presented a set of sites where there is a specialized calculator for costs.

Employee Center

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Centre for certification, where you have to ask, or should be required to provide the actual tenancy agreement. Therefore, even by this time you need to get a life office. Employee Center necessarily come back in to visit you and personally assess the conditions under which you accept clients. In addition, it is necessary to prepare a lot of different instruments, and in the first place – a copy of the work record of at least one employee your newborn company with experience in tourism for more than three years. Although, in principle, about a month you can work out without a certificate of conformity. Some firms are working even longer, and provide inspection documents proving that he is being prepared. The third compulsory paper, which should hang in a frame on the wall – a health certificate.

Have to spend a day to listen to lectures on infectious diseases in tropical countries. If you have time to solve all these problems by February, then we can start negotiations with tour operators. Incidentally, in Moscow twice a year, fall and spring, usually in the Expocentre at is the main tourist exhibition – mitt. It is worth a visit. Perhaps it is her you enclose your first contract with the tour operator. And if not – then at least know who is who in the travel market, type in the directory and souvenirs, which must necessarily be in the office (for example, detailed map of the Turkish coast). It is worth to take the exhibition of all their employees.


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During the economic crisis, when many people lost their permanent income, for many of them typing at home to become an effective help. And for someone even the only possible income. This kind of earnings also rescued many single mothers, who, having appeared in the decree, could not have a permanent income. What are the pros to work on typing? To to provide this kind of service do not need to have special knowledge and skills.

Enough to have a home computer and set it on a text editor. The computer itself may be old and primitive, since the text editor and files take up very little resources as opposed to graphics, games and multimedia. Given the above we can conclude that the work on the set is a simple form of income and does not require large investments, as Nowadays, the computer almost everyone. Services set texts are very beneficial to students college-s. Currently, students often study and work in parallel. As a result, they have a constant lack of time during the session. A dial coursework, essay or dissertation – a chore and it takes time.

Entrusting it to third-party professionals, students save time, which can spend on something to prepare for exams. Various businesses and organizations can also use this service. For example, if you need to type a report, presentation material, technical description or other working documents with large volume. Especially it may be necessary in those when the secretary is on vacation. Or preparing any event that requires the employment of staff.

World Wide Web

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Unit of society, professional community – a group of people who regularly come together in communication (in person or virtually) to share experiences, knowledge generation and find new, more effective approaches to solving their tasks. Its members are united by a joint activity – from the conversations at lunch time to discuss difficult issues during the conferences. One of the reasons that professionals know each other all better and better – the emergence of a powerful new means of communication – the Internet. Many of the resources of the World Wide Web allow you to set professional contacts, to search for work, friends and like-minded interest. According to recruiters, online forums and other sites are increasingly using recruitment agencies to find the necessary expertise. An example of the successful establishment and functioning of such communities is Russian club marketers -.

Its distinctive feature is that virtually all participants of the virtual professional groups also are still in the regional clubs. In terms of recruiting, it is especially important: it an opportunity to close the "regional" Jobs turned to local experts. From a more global projects that are not designed for professionals of a particular profile, one can mention the social network of "My Circle" ( After logging in a user fills out a page with information about themselves and can invite their friends and colleagues, who form the "first circle" of contacts. All participants, in turn, form their own community contacts. As a result, the right person can be found through a chain of several people who are familiar with each other.

Recruiting Through Employment Agencies

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Everyone knows that business people do. Jim Collins book "Good to Great" argues that all great business starts with an effective team. If the ship will be the right people, and they will be in the right places, and unnecessary people will remain on the shore, the company will usually be able to determine where to swim to get there, where will succeed. But to pick a team of right people – not an easy task. To accomplish this task in their own way: develops its own HR-Unit, invites business coach to train existing staff or applies to recruitment agency. What are the advantages of recruiting agency in the selection of personnel. The leaders, most often note the following points. Substantial savings of time and effort.

Qualitative selection of the necessary expertise requires a lot of time and resources: placing information about job openings, search for candidates, sent a summary of the analysis, conducting interviews, organization of meetings. All of this staffing agency is ready to take on. In this case, the client will communicate only with carefully selected candidates who meet its requirements. Modern technology recruitment and selection process. To maintain competitiveness, employment agency, and is constantly improving search technology and technology assessment of candidates. Since the selection of personnel – the main activity of the agency, it can use such tools, whose application under a separate company is economically inexpedient. Sometimes, it is becoming the key to higher effectiveness of the professional recruiter, compared with self-seeking, organized by the employer.

Possibility to stay in the "shadow". There are situations where the employer company would not want to prematurely to advertise their interest to particular categories of professionals: development of new lines, entering new markets, the desire to lure employees from a competitor and so on. Contacting a recruitment agency can solve their problems promptly, qualitatively and, thus, keeping the "incognito". Of course, we do not talk about all the features and benefits. Besides them, there are a number of difficulties and problems. Neither problem has no unique solutions. Only after weighing all the pros and cons, you can choose the best option, suitable to solve exactly your business goals.

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