Communicators. Stay In Touch .

Modern technologies that can offer us industry and perfecting electronics, without a doubt, create our reality colorful and appealing. At the same time a lot easier implementation and professional, and household duties. Probably for this reason that such a substantial degree of popularity can use portals on the Internet, where no real questions to find information about technology and computers, say, communicators to buy. Identify pricing much easier directly in the online space, not to mention that in this version you can get rid of the need to recoup its expenses implementors of hiring commercial point, staff salaries and utility expenses. Consequently, costs much less. At the same time the absolute majority of cases, online stores are guaranteed delivery, which for buyers at all is worth nothing. But make the right choice is still difficult. First of all, because of the wide selection.

A significant number of proposals, from which indeed run up your eyes, can not fail to impress. And for everyone who enters the search communicators Ukraine, definitely, there is very tempting specific proposal. In this case, it is fair to regard and value, and the external characteristics of the communicator or cellular, as well as its operational characteristics. In general, for many people is important not just pick yourself adequate mobile phone, but just to remain fully informed of incidents, changes in rates, the emergence of new opportunities. In this sense, thematic portals, which presents all sorts of commercial shops, even more than demand. Among other things, specific sales resources – a place where mobile phones find a feasible without complications and for quite reasonable prices. And, moreover, likely to go to improve their phone.

In addition, often online stores household appliances will not confined exclusively to mobile devices. By the way, there really pick up computer monitors, VCRs, cameras, digital video cameras, used for network equipment as well as computer equipment and details. As the saying goes, all that is required to create an improved level of being allowed to be located on specific sites. It is also possible that after learning of such a resource, you can quickly upgrade their notebook or buy new storage media for their digital devices. After all, anyone knows that there are no restrictions perfection. However, nothing prevents to try to get closer to the ideal.

Office Buildings

Premises Class "B" have almost the same characteristics as the Class A offices, but are not as prestigious, and the spectrum the services they offer is not as wide. It is generally Class A offices after 5-7 years of operation. For class offices B is characterized convenient location, that is, the availability of major highways and the proximity of metro stations, well-groomed the area around and a nice view from the window, the appearance of the building looks respectable, but, unlike Class A, no frills in the architecture. Another positive point is the decoration of offices, lobbies and elevator lobbies on high level, but more modest than in office buildings, Class "A". As a rule, the infrastructure of the business center is only a coffee shop / cafeteria for staff, service reception in the lobby and other services to meet domestic needs of tenants. Currently, there is a tendency of separation of offices use: Class A offices are used for placement of top management (as representative), and Class "B" with lower rental rates – to accommodate the majority of employees (the workers). Offices of class 'B' is called 'budget offices' or offices 'economy class'. Differences between the offices of the category 'B +' and 'B' are minor and are, in mainly as a finishing and building services.

Offices of class 'C' to this class of business centers include, first of all, building the Soviet era buildings (research institutes, factories, etc.), disused for offices. Offices of the class usually have the following set of characteristics: are in residential areas of the city, facade neprezentabelen and often require cosmetic repairs, corridor-cabinet system planning. For such buildings is abundant in the walls and corridors. Internal finishing is performed mainly by the tenant, and air conditioning may be absent. These buildings are characterized by low services. Telecommunications services are limited to telephone and Internet access. Parking is formed spontaneously or absent. Offices of class 'D' Office Buildings of this class have a more negative traits than positive ones. Basically, these buildings need major repairs. They are located rather far from the subway, and the availability of parking is not provided. The characteristic features of class offices D: unpresentable view, the absence of conditioning, infrastructure and specialized services, life support, an uncomfortable layout and outdated utilities.

Financial Advisor

The solution of tasks of life is sometimes more complicated arithmetic of a school textbook. Easily deal with them except that prepared person. Once a financial consultant and can help cut the Gordian knot tied up with material necessities of life. He is well versed in the distribution of personal finance, knows where to invest money, and most importantly – for what purpose and when it is more convenient to use financial tools. And it is – a strategy of personal well-being. To desire is not turned into a candy-floss, and put into practice, it is important to properly manage personal finances. This is easily done with the help of financial advisors of The Alchemy of Finance. Of course, digging on the Internet, you can try yourself to answer your financial questions. But how can you be at the same time sure that the proper financial analysis of the literate, correctly assessed the risks properly composed structure of its investment portfolio, selected the right tools for investing and personal finance will not only preserved, but multiplied? Hardly succeed without special knowledge to choose wisely insurance company or to evaluate the effectiveness of investments in real estate or land, which is also a tool for investment and not simply the acquisition. Financial Advisors The Alchemy of Finance "is not just give advice where to invest money, recommend a particular financial instrument, and will help to develop individual investment strategies, to form an investment portfolio that will make a financial plan to address "Money" is vitally important task. "A wise man once said:" The more time we spend on planning, the more free time we have a "- says the financial adviser to Alija . – This fully applies to personal finance. Financial planning – is, by and large, planning is not money, but life! "" Why waste time on something that you can make money for others? "- Said the first U.S. president Abraham Lincoln, eagerly using the services of special education money business financial consultants, as for the prosperity of his country and for their own benefit. And as time has shown, not for nothing that he did it.

Banks Are Becoming More “flexible” To Customers With Financial Problems

Banks and other lending institutions in the United Arab Emirates are becoming more flexible with customers experiencing financial difficulties. because the number of outstanding mortgages in the country, will likely continue to increase because of the growing number of people unable to pay its debts. Some people just bring and give us the keys to their apartments before leaving the country. “- says an international consultant on mortgage lending an independent consulting company Sherwoods Independent Property Consultants Louise Buff (Luisa Baffa), -, however, must recognize that some uae banks are trying to make concessions to their clients, modify and extend the payment schedule to allow creditors to recover their financial position. ” Banks are definitely becoming more tolerant of their klientam. general manager of real estate advisory firm The Specialists Sobhi Agha (Sobhi Agha), – If they would continue to continue to take a tough stance, it would lose customers who were forced to just throwing their debts and flee, so they have to learn to maneuver and flexibility, adapting and getting used to the problems of customers and their requests. ” According to the Dubai mortgage operator Amlak Finance, in 2009 he captures a greater number of unpaid loans than in 2008 and expects that number to continue to increase in 2010. Mortgage market in Dubai is estimated at present to 20 billion dirhams (5.4 billion dollars USA), which was 5.4 billion dirhams (1.4 billion U.S. dollars) more than it was in 2007. “In these uncertain times of global economic crisis would be surprising if the number of defaulters in the uae would remain the same. Country experiencing the same difficulties as all other countries in the world “- says head of department of real estate at dla Piper Middle East O’Gredi Tom (Tom O’Grady). In addition to the usual semi-annual deferral of payment, already prevalent in banks, Some of them have begun to offer investors smaller apartments to replace those that have been chosen by them before the crisis. The number of banks included First Gulf Bank, Abu Dhabi Commercial Bank and Emirates nbd. “It is clear that when the financial difficulties and the creditor and the bank must attempt to mutually resolve them in a friendly and peaceful manner. “- says O’Gredi -” We work with many banks and owners and investors / buyers who are in similar situations, and helping them find solutions to problems that may be expressed either in the revision and postponement of payments or restructuring debt payments. In general, do everything possible to avoid litigation or deprivation debtors’ rights to property “. Due to the absence of a universal mortgage legislation situation resolve disputes related to non-payment, the uae is different. Recall that in 2008 in Dubai was Act on the mortgage, which defines the procedures and requirements for the deprivation of the debtor’s right of redemption and the possibility of selling the property at auction. In other emirates, where currently no There are no laws on the mortgage, subject to the provisions of the Civil Code of the United Arab Emirates. Nevertheless, even in the existing law there is no specific article on the basis of which banks or other financial institutions would have the right to take property. In all cases, to return property or transfer the rights to it to court, this material has been prepared _ .Ru.

Valentin Fomin

According to Stella Brody, it includes, first and foremost, the protection of income. This is a kind of foundation – a foundation of confidence of the family, followed by a solution to housing, planning, retirement savings, the creation of financial chute in case, for example, something is broken and require unforeseen expenditure of funds, it is about 2-4 in wages, followed by providing financial support for children and only in the last formation of the investment capital of the family. In a personal financial plan considers all revenues and expenses of the family, the existing financial products and those that the client can afford to buy, calculate how much it will lose on this. This is necessary in order to the client clearly understood that month happens to his family budget. But this is only the first part of personal financial plan, the second includes a description of three scenarios CashFlow – your future financial situation of the moment retirement. “We aim to ensure that the personal financial adviser has become a family counselor to help correctly assess the financial situation and to distribute the funds, taking into account all the risks and benefits by choosing the most effective financial tools “- explains Stella Brody. After a personal relationship with a financial advisor can not look at their financial situation the same eyes, and my practice of using these services can not be confined only to the distribution of funded part of pensions. Issues relating to the financial aspect of my life, there are everywhere, and they require a permanent solution in accordance with my plans. Possible, while only a small number of Russians willing to plan your entire family budget with the involvement of third parties. This financial culture only to stage Accommodation in Russia. But it is already clear that personal financial adviser can help the client to calculate its debt load, significantly reducing the risk of contact with the collectors in the future through proper planning and understanding of the credit load According to Family Income and Expenditure. Valentin Fomin.

Asset Management Companies

Yes, the same operational personnel, to pick up and keep that pretty hard. Asset management companies also have shown interest, but there's not so simple. To implement the system automation, cc should organize a meeting of residents. And here it is necessary to inform each owner, which you need automation, it will give them. – With commercial sites – is understandable. They are profitable, they're interested. With the secondary housing market – the same as the owners themselves must decide. And housing? There, automation is being introduced? – Let's repel from the experience. Take, for example, one of the last of our clients – the builder builds a house nine-dvuhpodezdny, that is still quite large. The nodes into account everything – records of hot water, cold accounting, accounting heating. Automation – nothing. True, they laid the dispatching system, that is like to monitor all the parameters, but until it was implemented. – Do you mean new buildings, mostly leased without automation, why? – Builders are not directly affected. They can do it, can not do. If the construction company plans to continue to operate the building automation, as a rule, think. – It always comes back to the price issue? – No. On average, automation costs from 150 to 400 thousand rubles – for high-rise building is a negligible amount. We have reason started installing metering? Because it appeared that such a requirement for developers. Automation is not. That is, energy conservation encounter, including the problems of the regulatory framework. – And from the standpoint of ordinary user? After all, everyone has long understood that the metering of heat, water saves. What prevents this? – People have always paid a design load, and not on actual consumption of energy. On this were based contracts for heating. Counters were not, therefore, consumption was divided by the square. Began to install the counters began to pay for consumed energy. But in our buildings have common areas and here the problems begin. There is a misunderstanding: Why should I pay for the consumption of a stairwell? Such moments should be regulated at the legislative level. We have in this regard, while the gaps. But most importantly, it certainly is – the very system of heating, which is mounted in homes. In our homes, as such, two-pipe system, and to make door-to-door registration required records on each radiator. One device (the inlet manifold) is established at the so-called beam system heating. But such systems have appeared only recently – about five years ago. Installation of meters in an apartment with two-pipe system is very expensive, it's just not profitable. – Despite this, the base rate until done namely the installation of meters and metering units. – Yes, although the installation of metering – one of the additional measures, the real saving is automation. Only its active implementation will start the second large-scale energy savings, shortages and costs which have severely affected economic development.

Relations Between Drivers

In view of all known co, as amended by the rf Code of Administrative Offences (CAO) has significantly increased the responsibility of car owners for a number of offenses. Many experts note significant reduction in the number of violations of traffic rules (SDA), such as: unfastened seat belt, exit lane designated for oncoming traffic, violation of speed limits, etc. However, there are cases traffic police abuse their powers, which resulted in the driver unduly subject to administrative liability, as the lawyers added work. In such situations, critical has the evidence presented, the totality of the circumstances set forth in the manner prescribed by law, upon which the court subsequently decide on the presence or absence in the actions of individuals administrative offense. Most adverse (in terms of the subsequent trial) for the driver situation, when he alone hits the road for a considerable distance (for example – to another city). Unfavorable, because in a situation where he will be one on one with the traffic police who stopped him on the road to check their documents, or for alleged violations of traffic rules, based on the evidence base, confirm the guilt of the driver will put all the inspector wrote in the report. And the court, even with the seemingly has not been set aside for us the principle of presumption of innocence, the driver admits guilt only on the basis Data of this protocol. Therefore: 1. Going on a long journey, ask any larger settlements you have to drive, if possible find phone numbers and addresses of the Regional Department of Internal Affairs (telephone trust), property management security at each of Internal Affairs, if possible – to agree with some lawyer friends about the possibility of consultation on-line.

The Investors’ Ambition Has Returned

The prices of commodities in general are having a somewhat unexpected recovery. this has been good news for those producing countries some of them, after the sharp slump experienced their contributions towards the last quarter of 2008 were bring more of a headache to their finances in a context of deep economic recession. The price of oil was trading at about $ 38 in late 2008 and is currently above U.S. $ 70, giving a little air to Chavez who has less leeway to avoid an economic crisis. Chile begins to breathe with what happens in the case of copper, for which the recovery of China is reflected in its strong demand that drives the price of copper and last week reached its highest level since October 2008. Argentina will light candles to yuyitoa as he has called the president, Cristina-fernandez – News ResultsLecture on Conflict in Argentina Knox College – Jan 21 10:23amLavagna Predicting Smaller Peso Slide to Contain Prices: Argentina Credit Bloomberg – Jan 20 08:52pmArgentine Soy, Grain Sales Fall 81% on Farmers Strike BusinessWeek – Jan 20 11:45amCristina-fernandez – Image Results’>Cristina Fernandez de Kirchner, and soybean responds to maintain its upward trend and closed the week month to $ 430 a tonne. The prices for commodities have reached to recover a significant portion of the value they had lost in the deepening of the crisis. However, there are still far from their highs by mid-2008 and that is why the question now is able to infer whether this trend will continue and with what force until the end of the year. If one uses the signs of gradual recovery and soft global economy, really should not justify larger increases in the prices of the commodities than those observed, except in the case of agricultural commodities to weather unexpected contingencies or in the case oil at the prospect of political tension situations worldwide.

The Nobel Economics Prize

In 1994, John C. Harsanyi, John F. Nash and Reinhard Selten, won the Nobel Economics Prize for their pioneering analysis of equilibrium in the theory of noncooperative games. The Nash equilibrium is one of the results which can be reached in models of non-cooperative games, in which individual action of the various participants, generates a result that is lower than that achieved if each decided to cooperate by agreeing a particular behavior. These models were shown to have great applicability in reality. And in these times of crisis, we have witnessed several examples of actions that replicate their results. One of them has been observed over the past weekend and had as protagonists the Latin American Central Banks. In a match that was attended by central bankers from Argentina, Brazil, Colombia, Chile, Mexico and Peru, it was agreed inter alia, avoid a devaluation war between them, agree to avoid sharp fluctuations in rates changes in these countries as has been observed in recent times, a product of international turbulence.

Without doubt an agreement of great importance and unimaginable in the past. In addition, at the meeting that was hosted by the president of Banco Central de Chile, Jose De Gregorio, American Bankers agreed to them in accordance with statement issued after the meeting, “Mechanisms for exchange of information and technical cooperation to facilitate determining courses of action to follow. ” That press release, highlights the confidence that the region “is better able to face the financial turbulence, thanks to its strong economic fundamentals” and that “it has means to preserve the integrity and smooth functioning of money markets and financial.

Why People Go Into Debt ?

The reasons for the indebtedness of people vary widely, but point out the most important causes. Acquisition of goods and services: which are generally not obtainable with current income of individuals. This is called "leverage." Acquisition of financial assets: in Venezuela is very fashionable to buy debt bonds, so some banking institutions finance the purchase of such individuals and companies involved. Inability of being unable to bear the usual costs with revenues it receives: this is what we will call later negative net cash flow. In these cases, usually resort to using credit cards or personal loans. Emergencies: Accidents, illnesses, unexpected repairs on the house or vehicles can significantly alter the budget of many families driven into debt. Lack of control: some people, and without a false sense of purchasing power that gives credit cards, incur unnecessary debt. This is reflected regularly in high balances on credit cards.

Existence in the country of negative real interest rates: this means that banks offer interest rates for instruments of deposits, lower inflation, so people know intuitively you choose to purchase goods and services (first through money Cash and second through debt) in order to withstand the impacts of inflation. A reduction in lending rates of interest: Complementing the previous section, low interest rates on loans motivate and encourage people and businesses to borrow. Obtaining bank references: Some people apply for credit cards to have bank references for future contingencies, such as purchasing a home. It is well known that hardly a given bank loans for a significant amount of money if the person or company has no bank references, especially credit cards. Enforceability of tenure in Travel: In many hotels, car rental agencies, clinics, and others, it requires a credit card customer, so do not possess may bring inconvenience to the person when traveling or having an emergency. Extraordinary circumstances: For example, holidays, weddings, birthdays, dismissal or resignation of employment, etc. Felix Gonzalez MS Web Site: Email: