Obligations borrowers of foreign currency loans were for them in this clip, padded with the dollar in nearly half. With declining revenues growing commitment put consumers in an extremely awkward position. When that real incomes are reduced very quickly, the situation for many borrowers is not far from the critical limit. Next, we consider in more detail how things work with the incomes of large Russian cities. Level income. In January this year the average income in cities with over one million people had fallen to 13,210 rubles per person. This is 22% less than a month earlier, in December last year.
This decrease looks apocalyptic, especially if take into account the sharply falling purchasing power of the ruble. In the worst situation of the wounded were residents of Chelyabinsk, Omsk and Volgograd, where the average income fell almost a quarter. In Moscow, Yekaterinburg and Samara loss less significant – about 15%. Volgograd and Rostov-on-Don have become millionaire cities with the lowest average income: here for one household member in January, accounted for only about 10,700 rubles. However, not is premature to consider such a drastic decline in revenues as a deep-rooted trend. January – one of the most passive periods during the year, when business activity is dramatically reduced. Most of all, to decrease in the average income in January affected the duration of holidays, limiting entrepreneurial income. In addition, in January, recorded significant new delays in salary payments, which also impact on actual revenues. It is obvious that with increasing seasonal business income has increased markedly, but not return to the New Year values.
Through the success you're moving to a failure. After a failure you move towards success. If you have a few successes row, it means that you set for yourself is too easy task. If you get a failure, you have a huge amount of material for development. And the most rapid growth occurs during the chain of failures, if it can stand your mind. If he can not, then you will no longer develop. For many people – a subconscious fear of failure. They have year after year, set for themselves only those tasks which surely succeed.
And the year after year, depriving themselves of opportunities for development. Fear of failure makes it impossible to succeed. And development is necessarily accompanied by crises. The crisis is the very state where everything that was done earlier, is denied, because it is This led to a crisis. Need to do something radically new. Look at the situation with fresh eyes and see the possibilities that have not previously seen. Before the crisis could be more relax and move in a groove. In period of crisis, these tracks, if they do not have time to become a great sound track (a fairly long period without a crisis, for it was), floods the forest of new problems, snow of pessimism, blurs rain-failures, they are not as reliable and not so short. Have permanently or keep them in the same state or act in a more radical: to lay a shorter, more efficient, more reliable way to protect them.
Payment terminals – Business turnkey What is a 'terminal to receive payments'? Payment terminal is a stationary machine, hosted on an area of 1 m2, requires only a network connection with a voltage of 220V and enables fast, on-line to pay a cell phone, Internet, television and other charges. Terminal interface depends on the payment system, through which the receipt of payments. Interface payment terminals as simple and straightforward. Terminal software payment of custom designed and debugged for easy maintenance, reliability and security. It is equipped with a wireless GPRS-modem which allows you to connect to the Internet, which makes it possible to place automatic payment at any place convenient for you. The control system of payment terminals as automated. You do not need hire and supervise a staff of personnel – the control of business is so simple and Teasing so little time that one person can serve up to thirty-payment terminals. Accommodation payment terminals Payments terminal is located in the indoor room with a large level of traffic.
This may be a subway, train stations, gas stations, shopping and entertainment centers, universities, kiosks at bus stops, airports, cinemas, etc. Payment terminal – excellent solution for accepting payments in shops, supermarkets and other retail space. A place for the payment terminals at first glance it seems that there is no room for the installation of payment terminals, but the market Terminal payment continues to grow (on a monthly basis in the country sold a few thousand payment terminals). Profit owners of payment terminals is growing more and by increasing the number of operators in whose favor machines to accept payments, as well as by the emergence of new services. Therefore, the payment terminal can give a good average income in places
Articles devoted to the registration of the llc, as a basic and familiar to many organizational and legal form of legal entity, with enviable frequency appear in many media. However, as a rule, tips on “How to register a company. ” The authors of these articles are often far removed from the register of enterprises, which leads to the dilution of such articles is very questionable recommendations. Nevertheless, the majority of organizations registered under aid of hired professionals (usually a firm specializing exclusively in the registration of legal entities (hereinafter “the Registrar”). It is believed that the registration of company – a simple and uncomplicated operation. Often, however, have to see how reputable businessmen accompanied by their legal professionals are in the queue for the decision to refuse registration, which gives mifns 46 of Moscow. As the saying goes – “the home”. In any case, the registration of business in Moscow are very popular, and most organizations are created by law firms.
Specifics of the work of such organizations, usually based on the principle of maquila work, which often means the absence of an individual approach to the customer, but that does not mean that the best option is registration Ltd. on its own. In addition, the cost of the services of registrars is relatively low (Moscow 6-8 thousand rubles). Should just follow some tips: Tip One: The solidity of the registrar. Most likely, the quality of services is not affected. Yes, and sites of all registrars replete with phrases like “many years of experience, “Individual approach”, “best solution”, etc.
Financiers also lured customers with real estate agencies and mortgage brokers. Due to the increasing price of the apartment, the yield of mortgage deals has grown considerably, and the risks of bankers actually declined since reduced the number of borrowers with low incomes. Now for loans mostly People come with stable income – above average. Those citizens who hoped to buy a home without a loan, after it became more expensive, have to go to the bank. The average loan amount for the 9 months of the year increased by 80-90%. For example, in Moscow, she has already exceeded $ 110 thousand in St. Petersburg – $ 65 thousand in Novgorod – $ 35 thousand The average monthly mortgage payments rose slightly less – about 70% due to lower interest rates and increase the life of the loan. A year ago, the majority of mortgage loans were taken for 5-7 years, now is not less than 10 years, since an increase in the period allows the borrower to reduce the average monthly mortgage payments. But in the end-borrower's account to pay for long-term loan by approximately 10% more than in short-term. In general, the situation risks bankers minimal. Even if the borrower can not repay the loan, the bankers did not doubt that without too much trouble profitable sell mortgaged apartment. This increase in profitability and minimum risk allows bankers to cut interest rates. For ruble loans, they fluctuate around 12% per annum, and on currency Loans are very close to 9% per annum.