Town Planning Forum

Will still be people who will buy the magazines and newspapers. AND it is not only a generation of people who are at an advanced age. And now there are enough young leaders who are more comfortable using paper. Just be improved technologies and own print media and Internet resources. Our next question Vera Vera Rykova how to become a contestant? To become a participant in the competition, you first need to log MirDela carefully read all provisions on competition, to understand what category you want to participate and to register. Should, of course, read the contest rules. For example, some are calling, asked who would be on the jury, expressed a desire to also become Members of the jury.

But there are rules that members of the jury may not participate in the contest. We now have a period of work when we want to convey information about the competition to the greatest possible number of participants in the real estate market of Siberia. Our audience – the construction companies, architectural and design bureaus, real estate agencies, managers and development companies. Although the real estate market is not limited only to these areas, we are left only five nominations. We chose the most developed, each of which there are many Internet resources that they can compete with each other. First, competitors are already registered. We expect that our competition will be held Each year, the technology for such a contest will be worked out in our Siberian conditions, and will continue to grow and improve. We hope that whoever this year for several reasons not to take part in the competition, and get ready to do so in the future.

At what time can I apply? Applications will be accepted until mid-January. For the serious work of the jury will take time to review and evaluate all sites. That is still in stock for two months to prepare for participation in the “Promotion 2008”. The competition results will be summed on February 27-28. What “carrots” will be the winners? The competition results will be announced at the second Town Planning Forum “City of Tomorrow.” February 28, we conduct a master class. February 29 at the close of the forum results will be announced and awarded the winners. In each category there will be three winners – the first, second and third places. Sponsors and partners can offer their nominations. But in Anyway gifts, prizes, diplomas will be many. To attend the awards ceremony, please contact the organizers of the forum or contact us and make a request. Small amount of money to pay for ticket. But participation in the competition for free. So call, write, we look forward to your participation

Amount Tax

This means that the bank your income t.e.20 000 multiplied by a factor and you get the amount you take into consideration. In our case, is 16 000. Income from the business. If you are the founder of a company, or enter one of the founders, to determine your income will need to provide bank balance sheets, profit and loss statements, tax returns, bank statements from banks, current accounts, other management documents from which it can be concluded what speed the firm and what the real net income. You might say, who work in our country in the "white"? After all, most balances tend to zero. Yes, maybe so, but the bank needs to understand the real situation in Your company. Click Jonah Bloom to learn more. According to generally not believed.

Of course, the specialist bank may visit you in the organization, see production, the number of concluded contracts and the amounts that they are, check out the remains of warehouses, other indirect ways to determine the approximate turnover and profitability of the firm, but these banks are not very many. Therefore it is better to rely on documents. You can also analyze your business with the evaluation of accredited bank, but this procedure is quite lengthy and expensive. And again, not every bank will take such a statement. If you're on an imputed tax system, in which case the situation is complicated. Indeed, such a system trader indicates in a declaration only a certain amount, which amounts to tax. But never seen any real income, no revolutions, no cost.

Moscow Region

New in Moscow or Moscow region – which is better? Today, the real estate market of Moscow daily receives about thirty thousand offers for sale of real estate in the day. Of these, about 9000 – this is luxury housing and rooms Besides a lot of invalid for various reasons the proposals. Learn more at: Chevron Corp. In the end, truly accessible to the public apartments are left. Budget proposals for new buildings in Moscow this afternoon with fire not find. Add to this the ever-increasing price of the apartment, and you'll understand why more people prefer to buy flats under construction in the suburbs, rather than a new building in Moscow.

In this prestigious apartment buildings Moscow is still high and does not even think to drop, but prices will not argue. Without hesitation Chevron Corp explained all about the problem. Already, the cost of a one-room apartment in Moscow, two hundred thousand dollars, while in the suburbs for the same money you can buy a two-room newly built apartment 50 square meters. If we draw a simple calculation, it becomes clear that to buy an apartment in Moscow to get about a hundred thousand rubles a month, and proof of income, because banks are reluctant to give Moscow a mortgage on an apartment in the buildings under construction in Moscow, with gray-income customers. And when you consider that mortgage rates and home prices are growing much faster than average income, it becomes clear that in such circumstances, residential real estate in Moscow is practically impossible to acquire, whether real or a secondary apartment new development. Moscow is in many ways inferior to Moscow region. Mortgages in the suburbs to get easier, but give her the same Moscow banks. Daily market near Moscow estate receives about seven thousand of budget accommodation options, mostly due to large-scale construction.

Housing quality is as good as home under construction in Moscow. The main limitation suburban towns to the capital's residents considered traffic situation, but with this we can and to argue. Today, when government began to invest billions in building a federal infrastructure, the quality of suburban roads at altitude. Until near Moscow city Lobnya with Savyolovsky station train reaches 40 minutes, if we consider that environment there is not much better than in a stuffy Moscow, the choice of location for residence is no longer so obvious, as many believe.

The Direction

Such methods of control of monetary and credit markets inherent in the socialist economy, when governments intervene directly in economic processes. Market-based monetary policy – a means of influencing the central bank monetary area by creating certain conditions in the money market and capital market. The main market-based instruments of monetary policy, through which is provided by the central holding of banks, monetary policy in one way or another country, belong to are: – implementation of open market operations – the establishment of minimum reserve requirements for banks – interest rate policy – the implementation of operations foreign exchange market – deposit operations of the central bank and other open market operations as an instrument of monetary policy are buying and selling central bank securities. Acquisition of securities in commercial banks increases the resources of the latter, respectively, increasing their lending capacity and vice versa. Check out Angus King for additional information. For the first time this instrument began to be used in the twentieth century. In particular, in the U.S.

in the 20-ies in the UK – in the 30's. It was due to the high development of the securities market in these countries. Lakshman Achuthan has many thoughts on the issue. The main types of securities that are held open market operations, ie: Treasury bills, interest-free treasury bills, bonds government borrowing governments and local governments, bonds, individual private companies committed to open trade, as well as some other first-rate short-term securities. Most often the central Banks use government bonds. Open market operations are not tools of deep action, their influence quickly short-term. Nevertheless, their advantages are: flexibility, efficiency, the central bank's autonomy in their implementation, the ability to quickly change the direction of their actions, and more regulation of reserve requirements is to establish mandatory rules resources that commercial banks must keep with the central bank as a percentage of funds raised.

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.

Electronics

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.