Moscow Ring Road

At the June 2008 average unit price proposals on the primary housing market of Moscow is $ 7673 per square meter. m. The maximum value of this indicator was recorded in the CAD – $ 16,775 for the quarter. m, despite the fact that the gains in the district was minimum – 16%. Experts "MIEL-New" link just a slight increase in the cost of the proposal with the release of a greater number of new projects at an early stage of construction readiness.

The cheapest offer on Market noted in SEAD, where the cost per square meter was $ 5659. The greatest price increase was recorded in the HLW, SAD, and SEAD. This is explained on the one hand shortage of supply in these counties. On the other hand, the cause of elevated growth is associated with the replacement of the average economy class and business class in the structure of sentences. Traditionally, the most expensive proposal was recorded in the segment of luxury housing. The weighted average price per square meter in Objects of this class was $ 22,934, up 24% compared with those of late last year.

25% of changes were recorded in the segment of the business class, where the cost per square meter by the end of Quarter I reached $ 7276 per sq.m. The highest price growth rate recorded in the segments of medium and economy class – 31 and 28% respectively, due to shortage of supply in these segments. It is worth noting that such a significant price increase due to several factors. First, compared with the beginning of 2008 the total volume of supply in Moscow decreased by 5%. This reduction in input housing is a consequence of displacement of construction and economy for the middle class beyond the Moscow Ring Road (the amount of housing supply panel declined by 26%, while the offer in a segment of the middle class declined by 23%). Take their place in high-quality projects segments. However, despite this, the volume introduced high-end residential and business classes are not sufficient, resulting in unmet demand. So the leaders in terms of housing were introduced SWAD, CAO and CJSC, where the supply volume increased by 27%, 21% and 19% respectively. A significant reduction in supply in the I quarter observed in the HLW, ILW and SEAD, where the corresponding figures dropped to 43%, 37% and 33% respectively. Such a decline in supply in the primary market of housing property led to an increase in demand for input objects, which also gave rise to higher prices. Flexer, Boris, director of the Research Center of the company "MIEL-New" believes that in the near future expected to stop rising prices is not necessary. Refers to it as expensive segments, and to the housing economy and middle-classes. The main reason remains the reduction of panel construction in Moscow. In most areas developers to build more profitable and easier to implement higher-end housing. Areas where the construction of business-class housing is not justified, will be built projects designed to meet the social needs. Thus, the demand for economy class housing in Moscow is still unsatisfied. And, therefore, there is an increase in its price. As for the luxury housing market, it will behave more calmly, since this year was derived on the sale and planned to conclude a large number of new facilities. This suggests the emergence of a new volume of supply and, consequently, we can conclude that the prices of items in this segment will rise moderately.

CMS Programs

In fact we recommend you use a CMS before using any common web design program. And what if a CMS?, good a CMS allows you to any person, whether a beginner or a great designer and web developer, have a website, that do certain things that would be impossible to make them without knowledge in programming, php, mysql and others. With a CMS anyone could create a spectacular web site without having to know programming, if you you want to create for example a web page where users can register, it would take you many time do them with a program like dreamweaver, but using a CMS you can do it in less than 5 minutes. Many applications are created and the only thing you should do is install them, the large number of functions that you can integrate into your web page using a CMS is incredible, you can have a web site, on which it sells products either electronic or physical, without worrying about the security of transactions or the downloads, you could integrate a forumyou could create a website like youtube, you can even create your own network with this type of program, and don’t need to know anything about programming. There are many CMS programs today and until a few years ago, they were very expensive, but today you can download them all for free. Under most conditions Roubini Global Economics would agree. Three are the best, the best of all is Joomla, then follows you WordPress, and then Dupral. We invite you to look for more information about these free CMS on our web site, and watch the videos tutorials that we publish on this website, where you will learn how to create your website with these programs. Now there is something very important when you use this type of programs, and is that you need to have a payment hosting service, why? Well the majority of free hosting services do not comply with all the requirements for installing these programs and functions of form optimal.

Our service hosting is optimized so that you can use these programs in their entirety, I even help you install it completely free. Advertising if you want to sell products through its website, most likely want to create advertising campaigns to attract viewers to its web site. There are many ways to advertise for your web page, through television, newspapers, radio, flyers, etc since these campaigns costs vary among countries you should do your own research. Another way to advertise is through the internet. Online advertising campaigns, you can buy in different formats and prices, there is for example, advertising through banners which we do not recommend in any case, through affiliates, can also buy among many other types of advertising and search results. We can not expand on this article talking about advertising since it is not the subject, but we invite you to look for more information on our web site. Recalls visiting to learn more.


The role of gold at the present stage of economic development is currently using new forms of gold, partly due to the development of productive forces – the modes of production, technology and new products. World Electronics is the most obvious example. On the other hand, the influence of socio-economic factors – the evolution of capitalism as a social system, changes in the structure of society, the state's role in social psychology. These factors resulted in a decrease of monetary functions of the yellow metal. But they also generate new applications, new forms of economic existence of gold in modern – "crisis" stage of economic development. Factors of the first and second kind are closely intertwined. The growth of the jewelry of gold, partly reflects the development of productive forces and regular shifts in the structure of consumption of this metal.

But even more it associated with the development of the structure of bourgeois society, with specific features of the bourgeois lifestyle, which is affected the global economic crisis. Gold serves the conspicuous consumption and prestigious, hoarding, hiding doxodov and wealth from justice, and Fisk. These traits are inherent to capitalism and the only strengthened its development. As we know, they do not disappear by themselves after the elimination of capitalism, which confirms example of the former socialist countries. These are the remnants of the psychology and behavior of people faced, and socialism. Among the factors that determine the fate of gold in the capitalist world, the special role played by inflation and socio-political tensions.

Forecasts Of The Fiancial Crisis

If we analyze the forecasts of economists on the development of the crisis for Russia, and to reject extreme views, most experts predict two scenarios of the crisis. The baseline scenario, the oil in our next year will cost $ 50 per barrel and the dollar will be given 32 rubles. According to pessimistic scenario, oil would cost $ 30 per barrel, while the dollar will be given 42 rubles. So now the population withdraws ruble deposits them into the face of uncertainty in the U.S.. Should I do it now? We must ask ourselves – and to what extent can reduce demand for our raw materials? In today's world oil consumption depends to a very heavily on the U.S. economy. We can expect that at best prices fall to a level where they were in the period being the U.S., but before the credit bubble (from 1986 to 2003), ie to $ 30-50 per barrel. In the worst case, fall below then for Russia pessimistic scenario is worse, but this option is unlikely, because world economic model has changed, a certain word in the world economy, China began to speak, its energy consumption is not will drop the price of oil below $ 30.

Likely to be sold moderately optimistic scenario. The level of oil will be around $ 40-50. This means that Russia will export goods and services worth approximately $ 200 billion, which was observed at a similar price of oil and metals in 2004. There are, however, one scenario by which the nominal price of oil can greatly increase. This scenario – depreciation of the dollar, but even here most likely a new Obama administration will not tolerate such a development.

There is another option. The global financial crisis, foreign portfolio investments will be focused on oil economies, and then Russia in 2009, expects a boom of investments by nonresidents. An example of such a change: Growth of the Russian market in 2000-2003. amid falling market capitalization of the entire group of industrialized countries. With the deteriorating situation on the developed markets, Russia may well become a 'safe haven'. But this option is only likely to dream, because deterioration has already occurred in 2008, but the boom did not happen, on the contrary, we observed outflows. In Russia, to talk about downs of the economy it is not necessary – this year to forecast GDP to grow by 6,8-7%, and next in 2009 – by 3-3,5%. Experts believe that countries that do not have a large external debt and recession (falling GDP), and eventually will major role in the task of overcoming the crisis. Russia under these criteria is perfect. Conclusions: The boom of the Russian economy in 2009 did not happen, but a serious further deterioration can not be expected, the crisis We will throw at the 2004 level and this level will slow development of the new Russian economy, I would be more interest in her innovative technologies. Overview of forecasts made by: Maxim Grekov (Director Keith Trust) Yevgeny Gavrilenkov (Chief Economist GK "Troika Dialog"), Vlad Borkusa (director of consulting and research firm Konnasi), Olivier Blanchard (American economist, PhD MIT Institute), Yuri Chashin

The Bank

Clothing and behavior should be in accordance with that position in the questionnaire. A neat haircut, a fresh nail polish (or complete absence), clean shoes and a neat appearance – that's the simple things that can render invaluable service in the process of obtaining credit. Watch his speech. Too fast it causes suspicion. You need to be confident and not in a hurry. By the way, about the documents. Necessary to have as many documents. Enclose a passport medical policy, insurance pension certificate, badge work or law.

Usually, questionnaire is required to specify the two stationary phone: home and work. You should warn their relatives and staff about a possible call from the bank. Declared in the questionnaire you income must be sufficient to claim for that amount (use the loan calculator to determine the maximum amount of credit). If you have outstanding credit, do not try to hide that fact. The Bank may issue a second credit if the amount you listed income can pay for two loans. If your income is not enough to get the desired amount, consider bringing in a co-borrower or guarantor spouse (s).

If family relationships are not registered properly, should think twice tell the bank about their civil marriage, or to better reflect in its actual form is single (unmarried) status. It is believed that repayment is easiest for an unmarried, childless women under 30 years of higher education. But there is no single recipe. Take, for example, an unmarried young man 23 years, renting an apartment with a girl, but prescribed by his parents. Naturally, the data on the costs of rental housing, providing young families (especially for a small income) is not the most favorable way affect the decision to issue the loan. AND quite another matter – a man 45 years prescribed by my mother-retired, but actually living in a rented apartment. In this case, silence fact about an individual living – it means questioning autonomy of the borrower. Be wary if a high enough income to ask the bank are small amounts for a long time – it looks suspiciously: either the salary to be untrue, or comes to mind the thought of the Borrower's inability to plan your budget. Needless to explain that neither one nor the other condition is not conducive to the adoption of a positive credit expert solutions. Remember that, when evaluating your creditworthiness, the bank based on statistical forecasting risks and adopting a negative decision, thus, may help you avoid a difficult situation. However, each bank uses its own methodology credit assessment of customers, so the denial of credit at one bank does not mean that you can not get a loan from another bank.

Travel and Leisure

Travel – a fascinating process, but very expensive. Therefore, banks are developing a special credit to pay for trips that can travel around the world, not thinking about the financial side. Financial conditions for such programs are no different from ordinary consumer lending. Differs only in time for consideration of an application client for the provision of credit, over which the traditional test creditworthiness of the borrower – here this term is much smaller. The borrower may not apply directly to the bank, any travel agency partner bank will take an application and apply for a credit. Naturally, the tour have to buy in this agency and it is for the prices to be offered. To receive credit for the trip must issue a travel company account for non-cash payment vouchers showing payment details of the tourist company, and then apply to any bank branch, fill out a loan and grant this account. Loan fees paid one-time payment, the commission for loan application, which non-refundable in case of refusal to grant credit.

As part of the holiday credit borrower can get not only credit for the holidays, but the discount travel agencies, as well as to accumulate the necessary funds to replenished by bank deposit. Credit for the purchase of travel packages available for up to 1 year. The loan amount can range from 30,000 to 150,000 rubles (or the equivalent in rubles and euros), and if the cost vacation package is less than the amount that the bank is ready to give as a loan, a borrower can use the difference as an additional credit limit for your credit card. The loan rate "on travel" 20% per annum in rubles and 14% per annum in foreign currency. If the rate is lower, eg 12% per annum, the borrower pays the additional debt service – 1% per month on the loan amount. Repayment holiday loan can be done in a period of six months to a year. As security for the loan guarantee is enough per person.

Repayable in equal monthly installments, and possibly early repayment. To obtain a loan must apply, which the bank will consider in a single day. When a loan customer joins one of the tariff plans of the bank on it (the client) will. Well, dear reader, summer is coming, the sea calls, study credit offers from banks and routes of travel companies, prepare documents, arrange the loan and go for new experiences! Why live if you do not live at 100%? Relax!

Buy Real Estate

Sites, as well as all rural property, now enjoys the huge demand. Many people want to leave for the weekend on the nature, having escaped the hustle and bustle of the city, breathe some fresh air, and just a distraction, to change environment. But one little desire to buy a plot, select the appropriate option to check all the documents and then have to go to a notary public to sign a contract of sale of land or make the contract in simple writing. But to buy the site for vegetable, want not many, mostly outside the city area is needed for the entire family. It is therefore important to build a comfortable house, well, a bath, if desired. Preparation and approval Project home construction, obtaining permits to build a house, putting the house in operation, all this requires a huge time-consuming and nerve. All this can be entrusted to professionals, which are qualitatively and in time will suitable land, cottage, house or cottage, prepare documents for the purchase and sale, will help to get permission to build a house and put into operation. All of this would be happening without distracting you from the everyday life, all problems are resolved quietly for you. Enjoy life in the country, take the first step, call RHM.

Directions Psychological Science

To become a first class trader, you need to clearly understand their own limitations. But most traders are newcomers do not know. For example, a behavioral economist Dr. Terrance Odean found that online investors tend to sell outside their expertise. They do not have an accurate picture of what they can and can not do. Such a distorted exaggeration of abilities is not characteristic only for the traders.

This is a widespread phenomenon. Study show that when you are trying to assess how well your activity trader beginner, your intuition is better not to trust. Dr. David Dunning (Dr. David Dunning) and colleagues (2003) in a recent article in "Current Directions Psychological Science '(Current Directions in Psychological Science) shows that most people are' blissfully unaware his incompetence.

" This aspiration is too high to assess their ability has been noted in several studies. When people offer to take the test on abilities such as logical reasoning or grammar mistakes, they tend to overvalue their work: they think that their result is well above average (60% and above), although in reality it does not exceed 25%. Such a revaluation is not limited to tests. People tend to overestimate their work in various fields. Hunters think they know more about firearms than is in fact a doctors think that they no longer know how to accurately diagnose patients than in reality. Tests have shown even that when people offer money for an accurate assessment of their work, they still can not do it. Dr. Dunning and his colleagues believe that poor performers are doubly punished. Not only did they perform poorly, but they still lack the psychological ability to feel what they are doing poorly. So what distinguishes them from the good performers? Poor workers begin with the belief that they – the 'good performers' and not in a hurry to develop a method of assessing their work. Good workers, by contrast, try to objectively measure accurately their work and avoid worrying about 'Good' or not. Indeed, studies show that they actually underestimate the work. When they see other people's results, they wonder how well they have coped in comparison with others. Fortunately, the bad workers are not doomed to remain at the bottom. In their experiments, Dr. Dunning has shown that when poor performers show how poorly they work, and give instructions on how to improve their skills, their results are improving and they are more accurately assess their work. These studies offer a way in which the trader is a novice can improve their achievements. First of all, you need to know that an intuitive assessment will be extremely overpriced, and take active steps to overcome this. Secondly, it is necessary to provide an objective measure of your trading results, such as diary trader, so that you know exactly how well you trade. Third, increase your level of knowledge. As how to grow the experience, the evaluation of their work will become more accurate. Remember that. Objective and accurate assessment of your abilities is vital to successful trading