Posts tagged ‘finance’

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 BestObmen.ru

That year in a row talking about Ipo. Let's look at what it is. Ipo (from the English language ah-pee-oh Initial Public Offering) means the mass withdrawal of domestic companies on international stock exchanges. Or another statement, ipo – the first public sale of shares company includes a form sale of depositary receipts for shares. If you go back to history, but in 2006 the world was conducted in 1729 ipo on the amount of 247 billion U.S. dollars. What is the main goal of ipo? The main goal is profit, which is called the "promoter>>. Profits derived by the founders of joint stock companies, which is represented as the difference between the sum from the sale of shares and the capital actually invested by them in Joint venture.

Why is the profit opportunity? It depends on what the stock price is a dividend, the capital invested more profitable than the rate of%. I would also like to note that the emergence of public companies in certain areas of production, may lead to the fact that capital will not bring high profit, but only a percentage. Another goal is ipo – increasing the company's liquidity. Shareholders after the ipo can freely sell the shares quickly and at market price. Due to the conclusion of the ipo you will be able to protect against absorption of unfriendly companies.

Another argument in favor of the ipo, after you spend the ipo, your company becomes public, and that means – reports will be clear and transparent. What are the stages of the IPO: a) The first – a preliminary stage. Analysis of the organizational structure and assets financial and economic situation, transparency of information. b) Second stage – preparatory. Chosen for the ipo team, with whom and agreed an action plan. Prepared documents. Create an investment memorandum. After that, run an advertising campaign. c) The most basic step. At this stage the collection of all bids for the purchase of securities is determined by the price. Summarizing all the results. d) And finally – the final stage. Treatment securities. Assessment of success.

All became clear as soon as I changed Dollars for yen for a trip to Japan. I think I have invented a formula to convert that currency to the ruble, given the current exchange rate. Upon graduation, I found a prestigious but very low-paid work, so I had to constantly find new ways to multiply my capital. In those days, commercial banks are just beginning his scandalous career. Interest payments on deposits dizzy, and the rate of the dollar has grown every day. Would be foolish not to use the opportunity to earn a little money, only to exchange a couple of thousand dollars.

Income was not huge, but pleasant. The next idea about the proper investment of money has been put money in Sberbank (yes, the Savings Bank), the contribution for retirees. At that time it had the highest percentage. At the bank I worked classmate, she helped me to make a deposit for a pensioner, using documents of her mother. Income exceeded all my expectations.

My mom could not understand why I have never had cash. I am confused to explain that to me more profitable to keep the money in the bank, and only many years later, my mother followed my advice and put all their spare cash in the bank. Even as an accountant, she could not understand it every day it loses money, but keeping them at home. A similar thing happened to me when I first arrived in Ireland. Here, as elsewhere, a huge number of banks with very different interest rates for deposit accounts.

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. 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.

But for such studies require considerable time, so this part of the work I leave to the reader, and we go any further, we need to voice all the other terms and ability to manage a profit for our future strategy. So we decided, what the candles we use in trade, decided on entry point, we now need to decide where and under what circumstances we will raise Stop and Profit. With stop everything just because, for open positions, we expect the formation of the 'first' shadow and penetration of the opening point to another direction, the stop will be put on 5 – 10 points beyond the first shadow (Fig. 1). With a profit situation is somewhat more complicated. Not knowing what in the end we will have a ratio of profitable trades, we are in any case, you must strive to Profit was expected to more possible foot.

For our strategy, I propose to try to use 2 types of profits: 1) In the first case can also try to record profits at the end of the day, and I suggest doing it in 19.00 Moscow time, because, against the closure of European markets later we very rarely occurs continued daily traffic. Price 19.00 after most had already began making corrections daily traffic. 2) In the second case Profit can also try to calculate an experimental way and try to tie its value to the size of a foot. For example, the amount of profit we put in 1.5 or 2 times larger than the mounted Stop.

In the medium term will continue the trend of advance wage growth compared with growth of the economy as a whole. During the period 2007-2010, the wage salaries in comparison with 2006 will increase by 1.9 times, while the nominal gdp – 1,7 times. Average monthly wages for 2007-2010 in nominal terms, will increase 1.94 times, from 10,728 rubles in 2006 to 20,815 rubles in 2010, and in real terms – to 1.47 times, respectively. In 2007-2010, provides for relatively rapid increase in the average retirement pension that will provide an increase in its size relative to the subsistence level. At the same time social pension to the end of 2009 to reach the subsistence minimum for pensioners will be maintained in future years at a specified level. The average social pension in relation to the subsistence minimum pensioner will be in 2007 – 79,6% in 2008 – 89,3%, in 2009 – 103.5% in 2010 – 101,3%.

In 2009, provided the basic part of a retirement pension from 1 April to 6.8% and from 1 October to 18,2% in 2010 – from April 1 to 6,5%. As a result, the average size of the retirement pension (Average) by 2010 compared with 2006 will increase by 1.84 times. In real terms the growth of the retirement pension for the years 2007-2010 will amount to 39,7%, but the gap between average wages and a retirement pension will not succeed. Expected to increase the subsistence level, the subsistence minimum had increased in 2006 to 13,1% in 2007, its growth could reach 9.4% in 2008 – 9,3% in 2009 – 8,7% in 2010 – 8,5%. Relatively high rate of growth of monetary incomes of citizens in the planning period will maintain the momentum to further reduce the number and proportion of the poor. In 2010, the second option specified number of $ 15 million or 10.7% of the total population, compared to 16% in 2006. The number of rural poor will be reduced from 8.3 million in 2006 to 6,2 million in 2010, or by 25,3%. At the same time, given the national priority project in support of motherhood and childhood, almost halve the poverty rate in large families.

Can effective tools to make you rich? Now offered the greatest number of possible super-tools, super-programs, super-courses that promise to make you rich quickly. Entire Web screams Today – Buy my it and it you load with money! Let's us see whether the tool is to make a man rich? So I answer you – can! But only if the person is a professional and he is able to competently use this tool in order to distribute the benefits that it produces. By itself, an instrument generally is of no value, because in the hands of an amateur, he will be like a microscope in the hands of the keeper. Therefore, all who wrote me questions like: "Max, tell me how I earn with such and such a tool?" "Max, I want to make money! Should I enter something there? "" Max, but whether I use this? "They do not understand (in fact, case) that is money! Because the question does not lie in the fact that any system or instrument is working. The question is – 'Can you produce demanded favor of (his output stream into the community) and implement it through these systems and tools? " On such issues, there is only one answer – "Please understand what you are and who can be helpful, do these benefits and begin using the tools to offer and exchange this benefit for money! ". # 5. What and how you can be useful to others? The answer to this important question lies in two directions.

Suppose, for 5-15 items the dealer collects the desired volume, stop buy and the game is over, all calm, and for all other market participants, this is a false alarm, the market returned to baseline levels and silence. Familiar? Who among You can tell that he was aware of a client in any bank of the world will give an order to buy or sell a specific amount of currency? Who owns the insider? In general, the concept of forex, who refines it? Come on, local bank instructed to buy a large amount of currency, its actions: if he starts to fly, then immediately raise the rate very highly as he does? He starts to shake the market and starts selling like tracking volume, the market begins to move, prices are coming down and as soon as counterparties, exposing bid, start taking minimum lot (who wants to buy expensive, if prices go down?), it stops selling, why not? Because, connect the other, they begin to push the market, hoping to cash in on speculation and the use of movement in the market for profit, offers a lot of margin positions, and those who wanted to sell, start to fuss, the price of the same leaves, and returns it or not, nobody knows. The dealer is in the market, he sees the volume, it is his advantage, and this is important. Artificially created a situation to increase the supply by decreasing demand. At this point, our dealer starts 'Slow down the market', showing orders to buy, but naturally with a minimum lots, in order not to stand out.

Show me these tricks at home they do not permitted by law. There, the bank shall indicate in promotional materials not only the interest rate, but apr (Annual Percentage Rate of Charge), ie the real cost of credit. I had seen such advertising on the streets of European cities: 'Free express loan at 0%, apr -12% per annum. " In Russia, no such law, so the client needs most 'pull' of the banking agreement with all the necessary information. Make it easy, the banks, so to say, do not emphasize client on the value of additional payments. Therefore, the first document that we have carefully read – himself a loan agreement.

It is important not to rush, to ask the representative of the bank all the questions (maybe make a few 'trips' in Bank – Ed.) ask the bank manager to make a detailed calculation of the monthly payments. Incidentally, this calculation should be specified as an annex to the treaty. What the commission can be 'hidden' in the loan agreement? Most difficult and dangerous case – monthly fee, which increases the real rate of 1,5-3 times, as though modestly, this percentage did not look in the contract. After all, even a 1% monthly commission will give 12% of annual surpluses. In addition, the contract may be specified percentage of the use of credit, processing fee, loan fees, fees for reviewing documents or opening a loan account. Incidentally, the fee for the examination of documents by the credit committee of the bank can charged and negative decision.

Credit (from Lat. Creditum – loan), providing money and goods on credit. Cash loan, consumer loan, cash loan – for the moment these are different names for essentially the same banking product. Banks are vying with each other offer new loan products and offers credit crisis, but how to find a cash loan with favorable conditions, many do not know. We examine this question in detail. Before the analysis of credit rates need to pay attention to two important details: banks' claims on the borrower. Since the onset of the crisis have tightened requirements for borrowers in almost all banks with a few exceptions.

First, the increased age at which credit is extended in cash. In general, the average age at which you can draw cash loan is 23 years, but there are few cases of lending in 1921. Secondly, increased the necessary experience to last job: currently the most liberal requirements 3 months makes only a few banks, while most loans to individuals with experience of 6 months and above. Thirdly, many banks have introduced restriction on the receipt of cash loan for people with certain income. In such a situation a person is difficult to pick up the bank, where you can get a loan, given his income, seniority and age, as well as many other parameters, which are discussed below. Requirements for the documents for the loan in cash. As a rule, for credit in cash without sureties, in addition to the standard passport and the second document, the banks have require a certificate confirming the borrower's income, and a copy of the work book. If previously it was sufficient to provide a certificate in the form of the bank, now need to formally 2-PIT.

These stricter requirements to the documents made it opportunity to turn all sorts of fraudsters who specializes in the production of documents for the loan. However, despite the complexity of the situation with the necessary proof of income, there is still a possibility get cash loans without reference to income. What to look for when choosing a credit program to start to analyze the rates on the loan. The interest rate you should pay attention, but only part. Returns the time when banks are laying the bulk of the interest burden in the various monthly fees (commission for the csc, the Commission for maintaining accounts, etc.), so this point should be noted separately. By some banks monthly commission on the loan in cash of more than half of all paid by the customer interest on the loan. Also pay attention to the method of charging commission on the loan, ie determine how it is calculated. Second to that is worth paying attention to when choosing the loan in cash – a one-time fee for receiving it. Wide range of commissions – it varies from 2 to 10 percent. Penalties for early repay the loan in cash at the moment are rare, but it is worth to clarify how early redemption is carried out. Often when you make the sum greater than the monthly payment, the difference is simply hanging out on the bill and neither is a principal repayment of the loan and the interest continues to accrue on a large balance. Thus, to choose for themselves a cash loan you need to assess banks' claims on borrower, document requirements, fees for the loan. I wish you good luck with the credit.