Posts Tagged ‘finance’


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For the investor – this is a very small amount. And the work is insurance in case of mass bank failures, such as in the case of extreme crisis, is unknown. Thus, bank deposits – a handy tool for short-term storage of money and transactions. No more. By Investment bank deposits are not irrelevant. One hundred percent loss of money and at the same high risks. Other leaders such as Phil Vasan offer similar insights.

What kind of investment we can speak. Stocks and mutual funds, what to choose and what are they? How do I choose mutual funds or stocks? pif – this is basically investing in stocks, only stocks and investment strategy for you to choose the organization – mutual funds. – If you are just starting to invest, and the money that you intend to invest are small, the mutual fund for you. The minimum amount of investment is different for different mutual funds, but very small, approximately 30 thousand rubles. This huge plus, because in order to acquire the shares of several companies, (which is necessary for distribution of risks) usually need money several times greater than for the purchase of stock in mutual funds.

– If you do not want and have time to deal with investment, the mutual fund as well for you. Investing in stocks, even if use a relatively simple stock selection system requires time and attention. Not everyone is willing to spend on it even a few dozen hours per year. Investing the same with mutual funds, requires virtually no time and attention.

Tips For Writing A Great Resume

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Use white paper and make the thoughts flow smoothly. Clearly identify your skills Do not be modest in mentioning your skills. The clear identification of your skills are distinguished from other job seekers and eventually help your potential employers to select from the rest. Remember, all you have to do is stand out from the crowd.

List of qualifications their educational and career Include any education or training that might relate. Give details of qualifications only meets your current job search. This will help you get the short list more easily. 6. Focus on your job responsibilities Starting position of current or most recent job, mention the title of each work they have undertaken, along with the company name, city and state, and the years he has worked there . Within each position, list your job responsibilities. Use descriptive verbs such as created, increased performance, initiated, developed, led, improved or reduced to begin each statement of your duties and accomplishments. Producing a document that is well presented, detailed and objective attract the attention of your hiring manager.

7. Add title and interest to think of something else that you could qualify for the job objective and place it in the bottom of your resume vitae. It may include licenses, certifications, awards and achievements, and sometimes even your hobbies and interests if they truly relate. If you are looking for a job at a music company, for example, stating on your resume that you are a pianist that increases your chance of getting that phone call interview. 8. Be honest with your resume If you have not done what you said you did, it would be called a lie. Numerous studies show that job seekers are most frequently about education and employment, in particular on the responsibilities of work and dates of employment. Hiding gaps in employment and jobs in which they were forced to leave by the respective employers is also common. There are many risks involved in lying, but many job seekers do not seem to get the message about the risks of lying. Once you are caught with a lie, he was shot then and there. So don “t Lie? Be honest with your resume. 9. Always attach a letter A letter is a letter of introduction that highlights the main achievements and skills and entitles you to a vacant position. It reflects your communication skills and personality.

The main objective of this paper is to present a very interesting way that the reader will not only continue reading your resume but also be willing to call you for an interview. 10. Correct your resume after you finish your employment documents, repeatedly checking for errors in spelling, grammar or punctuation. Spelling and grammatical errors can automatically disqualify a summary of the account. If you make mistakes in their employment documents, hiring managers can assume that they will be equally careless on the job – no matter how important your qualifications and experience. Review your resume and cover letter carefully. Make your resume positivity completely free of errors. If you are looking for two or three different positions prepare two or three separate resumes, each tailored to the job you are targeting. Make your resume unique and exclusive, so it stands out from the crowd.

Where Is It Profitable To Invest?

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Stock market or investment off-plan? Assume an investment 50.000 in the stock market will bring an average return of 10 to 14%, ie, a maximum of 7.000. Of course, this is not a bad option of investing money. However, investing in the project off-plan, will bring at least 2 times more profit than the market. For other opinions and approaches, find out what Verizon Communications has to say. It is based on the fact that the investor purchases property at a price below its market value and receives in addition a special discount when buying more than 10 obektov.Investorsky package prices at the design stage, proposed today by Model Invest bring investor in today's market conditions, an immediate gain on completion of the project. Gary Kelly describes an additional similar source. Off Plan design allows you to take part in the project from the outset and gradually almost see the growth of their own profits. Based on experience developing and implementing investor model projects Invest, for a term 7-10 years cost of investment increases at least 2 times.

However, in the face of the current global financial crisis to calculate the exact income is difficult, so we start from the lowest of its borders. In addition, the Exchange at Essentially, the investor controls only its 50.000 , and by investing in off-plan – at least 100.000 asset. One can imagine that the developer offers you a "borrowed" half of the profit, ie 50.000 . Neither exchange company does not even lend you 1 for purchase securities. What is the meaning of selling off-plan? Purchase of property, which is yet to be built (off-plan project) is beneficial, primarily in terms of price.

Thus, the "off-plan" – is to buy at stage of architectural design, with an already issued the appropriate building permits. In the process of familiarization with the project, the Company Model Invest ready to provide all necessary legal and technical documents, such as: Proof of ownership of land (Tapu), a letter of guarantee from a bank, legal expertise of the company, guarantee certificate of the independent financial review, a formal statement of tax authorities, inventory control, City Hall and other registration organizations. The minimum initial contribution of investment to provide 10% profit after 24 months at least 60% -80%. And this, given that the total investor profits from investments in the planning stages is exempt from taxation.

The Agency

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For example, you can arrange to pay a certain amount of twice a month – after receiving salaries. It must be remembered that the installment will never granted for a period of three months and only when the immediate repayment of at least 30% of the debt. All this is only possible if you just showed that they are ready for dialogue. If you have not responded to letters and phone calls for 2-3 months, then to any installment is no time left. Yes and no agency, not to mention the creditor bank, then you would not believe. If you're in for a month failed to make contact with the manager agencies wait for a subpoena. This development is expected 5% of all debtors and 15% of those with the delay of 6 months or more. On average, after 6 weeks of court rules.

As a rule, be decided in favor of the plaintiff – bank or collection agency. After that, you have to communicate with the bailiff, who will come to describe your property. However, the majority of debtors are already at this stage are in the bank to make a confession. " If the amount loan small – up to 50 000 rubles, the agency may apply to a magistrate and obtain a "writ", which is much shorten debt collection. Our educational program. Rules of "good tone" for the borrower fall into arrears. – If difficulties in making payments, it is best not to wait for a call from the bank or collection agency as soon as possible to contact the bank and explain the situation.

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. Connect with other leaders such as health economics expert here. 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.

Bossa Nova

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More difficult to contain leaks are the bass (bass and bass drum). They can work this by mounting the battery on a dais with rubber base. And the amplifier under the same, detach it from the floor. This will not only help the insulation if not also to the quality of listening within the rehearsal room.Doors and Windows: the optimum is to have a double door with an absorbent material-filled air inside cavity (always the same principle of Box in a Box). If they can do double door reinforce that have plates of some material and add vana glass. Gary Kelly spoke with conviction. There are good systems for presses, but I think that it would exceed what’s homemade rehearsal room. Windows will have to be sealed with the same principle: glass wool and plasterboard (or who choose to isolate). Both to insulate doors and Windows use weather stripping to die! They are fairly cheap and really make a difference.

Isolate is difficult and expensive but not impossible. Test well and at home is priceless! Acustizacion: The acustizacion is going to be directly related to part 2 (equipment: available, optimization and management.). Now we will focus on the preparation of rehearsal room.The first question that arises is: that material use to upgrade my rehearsal room? Absorb all materials that are for sale. All. The theme is Choose pay more or working more. I advise working more and doing one’s own wool panels of glass or mineral rather than plates or polyurethane panels. Verizon Communications does not necessarily agree. The wool absorbs much more, but there is q make a wooden frame, place the wool inside and then covered with a thin fabric already q If you volatilized can do very bad health. In contrast polyurethane goes directly on the wall if you want.

I prefer wool but cannot be better, is according to the needs. I combined the two materials in many halls and rehearsal rooms that I have designed. I often use glass wool for the walls and material sound absorbing polyethylene for the roof and works excellently. I do this because it is much more comfortable and secure paste polyurethane panels on the ceiling or high areas that suspend a frame with glass that is always heavier wool.Tip: do not exaggerate with the placement of materials. I’ve seen many rehearsal rooms in which directly are not the walls or the roof to be covered completely by such materials. That is very bad. Add a little absorbents and go listening to how he responds the rehearsal room. Disperse absorbents equitably. The room must have thoughts but controlled. Eliminate the reflections in the 90 angles that form between the walls. Not all the rehearsal rooms work the same for all styles. If they touch Bossa Nova will need less absorption. If touch Thrash Metal more. I advise to read part 2 (equipment: available, optimization and management.) Since there will find much cornered Tips on how and where to place the amplifiers, instruments and P.A. boxes Also Tips on EQ and FXs within the trial.

Picture Authentic Comodo Secured

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They are often caught in the ban because of complaints defrauded customers 2) Information e-meil caliper, a non-existent service. 3) Due to the fact that threw no way connected with a large foreign company, then in English spelling may be present all tangible spelling and grammatical errors. 4) Input fields are either not tested or reconcile their only number of characters. Thus, for example, by typing in the box 'account e-gold' word 'BAM! " (7 characters), the procedure for exchanging / cheating will continue as if nothing had happened Sometimes the input data and is not required – there is an easy transition from the home page directly on e-gold payment order 5) Picture Authentic Comodo Secured – just printskrin certificate, and she did not klakabelna. 6) Try to make profitable exchange: exchange e-gold in the opposite direction. Most likely you will not succeed! 7) The domain of the exchanger is registered only recently, although the site is written in the copyright that he works for a long time.

It is not difficult to verify through any whois service 8) Section contacts on the satellite is not that just speaks about corruption intentions. 9) There is a Russian-language page of 'bait' for hosting the pseudo advertising easy money. Sometimes there are cases when a page 'Lure' is placed on the same domain as the exchanger. 10) Usually crooks do not show your passport for wm, but if the link is present, it either leads to the home page WebMoney, or to the certificate of a popular money-changers, and may very without reference to be. 11) The minimum amount to exchange e-gold is usually 10-50 usd, but also found that exchange 5 or even 1. Although more reliable exchangers and exchange a few cents 12) exchange is absolutely unrealistic: no one present exchanger not swap you 9 10 wmz E-Gold – a negative one will not work 13) The exchange may produce only one direction: E-Gold to wmz, and the remaining areas of 'temporarily unavailable' or to commit them 'Is not enough reserve' ps Even if you look at all the signs, some so qualitatively organized deception that will only reveal it after you lost money Is it safe to use only high-quality online exchangers that can find and choose among them the best course on the site monitoring exchangers

Provision Methodology

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Ability to transfer annual leave are also not conducive to precise time of repayment obligations to pay employees vacation. Provision is created only for the payment of annual (basic and additional) leave and additional leave to workers with children. For other holidays (academic, artistic, etc.) the reserve is not created. This is due to the fact that in accordance with Section 14 P (s) A 1911 provision is created when you have as a result of past events obligations, repayment of which is likely to lead to a reduction of resources embodying economic benefits and its assessment can be defined settlement. However, payment for educational leave depends on the achievement, and provide the probability of granting sabbatical in general is problematic. That is to define the estimate provide for these holidays is almost impossible. Click Larry Ellison for additional related pages. With regard to social leave, they (except for the additional leave to workers with children) are known to be financed from the budget or the social insurance fund for temporary disability, and hence the establishment of a reserve to pay for them at the company does not appear. Provision Methodology provision for leave in the profile P (s) A 11 is not spelled out. It only indicates that the amount create a secured accounting recognizes expenses (Section 13 P (s) A 11). However, the description of the mechanism for calculating the amount of security for the payment of leave to employees includes instruction 291 in the table to sub account 471 "Ensuring the payment holiday" characteristic.

Investing: Rating The Yield Results Of December

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Was the most dynamic currency pair Eur / rur: up to December 2008 rate of European currencies against the ruble was 41.44 rubles per euro against 35.72 at the beginning of the month, ie during this period the Russian ruble weakened against the euro at 16.01%, which contributed to the policy pursued by the Central Bank of smooth devaluation of the ruble corridor through the expansion of the currency basket. During 2008, the currency pair Eur / usd was extremely ambiguous: in the second half there was stronger dollar against the euro, but only in December to strengthen the European currency has exceeded 10% and return on investment in Eur / usd was 10.24%. As a result of December 2008 the Russian ruble against the U.S. dollar, the Bank of Russia amounted to 29.38 rubles per dollar against 27.61 rubles at the beginning of the month, ie for a specified period of profitability Usd / rur was 6.41%, due to the smooth conduct of a controlled devaluation of the ruble, the Central Bank through the ongoing expansion of the corridor currency basket. In December 2008 there was a significant strengthening of the greenback against the pound: the course of currency pairs Gbp / usd was 1.4575 against 1.5372 in the early months, so return on investment in dollar in this case for December was 5.19%, due to the fact that the pound is under pressure because of fears of investors about the state of the British banking system. Showed a similar yield and the Japanese yen.

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.

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