Official rate of dollar since November, 20th - 30,95 руб, euro - 42,36 руб

The official rate of dollar established by the Central Bank of the Russian Federation since November, 20th, has decreased for 25,09 copecks and has made 30,9490 roubles, the euro official rate has decreased for 5,01 copecks - to 42,3568 roubles, news RIA reports referring to the Central Bank data.

Cost бивалютной the baskets, calculated at official rates, was reduced to 16 copecks, having made 36,08 roubles on Saturday and till Monday against 36,24 roubles on Friday.

Meanwhile, Greece which has Suffered from crisis on Thursday has published the budget for 2011 at which drawing up it was considered as a main objective reduction of budgetary deficiency to 7,4 % of gross national product was considered.
The government has promised to reduce current deficiency on 5 billion euro by next year, that is is much more considerable, than was planned originally (1,5 billion).

In May in exchange for the plan of the help in volume of 110 billion euro of Athena have agreed with the requirement of the International Currency Fund and the European Union to reduce budgetary deficiency of the country to 7,6 % of gross national product and then gradually to approach to comprehensible to member country of the European union to level in 3 %.

«The country budget for 2011 is made in a context of attempts to reach destructions of structural obstacles for growth that includes creation of workplaces, re-structuring of the state enterprises, struggle against evasion from payment of taxes, transformation of pension system, labor market reforming, opening of the commodity markets», the Minister of Finance of Greece has specified in the statement.

To reach in 2011 of objects in view the government of Greece declared increase in the tax at the added cost to 13 % from 11 %, about additional gathering from the firms receiving high incomes, about reduction of current governmental expenses and insignificant freezing of pensions. Moreover, the government planned considerable reduction of working costs and expenses on a salary of the unprofitable state enterprises, expenses on public health services and a defense cost.
Nevertheless, it is very probable that the country won't manage to reach level of the budgetary deficiency planned for 2010 in 8,1 % of gross national product. The government has told that it sets as an object to lower deficiency to 9,4 % of gross national product this year from 15,4 % in 2009.

The budget for 2011 also includes the measures directed on sharp start of economic activity, including reduction of tax loading on indivisible profits of corporations from 24 % to 20 %, and also decrease in the VAT for firms of tourist sector to 6,5 % from 11 %.

The government predicts that the economy of the Greek Republic will be reduced to 3 % next year, that is more than 2,6 %-s' reduction about which it was told earlier. This year, predictably, gross national product of Greece will be reduced to 4,2 %.

The review of the currency markets for a week:

The euro has renewed growth against the basic competitors after the publication of stronger in comparison with report expectations at the prices of manufacturers of Germany, gamble concerning continuation of restoration of the largest economy of region became result of that.
In October of the price of manufacturers in Germany have grown in comparison with last year on 4.3 % after strengthening on 3.9 % in September. Economists expected indicator growth at level of 4.1 %.
The given fact not only testifies that manufacturers start to shift a rise in prices for raw materials and energy carriers on end users that is possible in the conditions of final demand strengthening, but also speaks well for validity undertaken ЕЦБ actions on turning of stimulating measures within the limits of the monetary policy.
Let's note, nevertheless, that a major factor of support of uniform currency there are expectations that the help which Ireland of EU intends to render and IMF will promote prevention of distribution of a new wave of debt crisis on an euro area.

Operating the central bank of Ireland Patrick Honohan expects that the help package, cost in "ten billions" euro will help to rescue the bank system of the country which have suffered from recession in the market of real estate. We will remind that the day before official representatives of EU of m of IMF have started to study the bank reporting.
Thus, obvious progress concerning granting of EU and IMF of a package of loans for Ireland has lowered uncertainty, has supported mood of the markets and has made positive impact on euro. Under the unchecked data the plan of the help from the EC/MVF most likely will be presented the country next week.

Британский the pound sterling has grown after the publication of the inflationary data of Britain which have appeared above forecasts. According to statistics, the consumer price index has grown in Britain on 3.2 % г/г in October that above the forecast of analysts in 2.7 % and threshold value of the central bank in 3 %. However sterling growth carried a temporality and a course has soon receded.

The yen and dollar have become stronger against the basic countercurrencies after China has taken measures on struggle against inflation, having undermined thus demand for currencies adhered to global growth. As it became known, the central bank of China since November, 29th will raise reserve requirements for commercial banks on 50 б.п. It has put pressure upon the share and commodity markets and has supported to yen.

Pressure upon yen was rendered by the publication of the positive economic data from Asia. The published data has fixed growth of gross national product of Japan in 3rd quarter on 3,9 % at forecasts of +2,5 %. Other report has shown industrial production decrease in Japan on 1,6 %, thus average forecasts of analysts made-1,9 %.

Business idea № 2156. Personal social network Path

One of developers Facebook Connect and Facebook Platform Dejv Morin (Dave Morin) has left from Facebook this year to start the project Path - the personal social network focused on an exchange by personal photos and limiting quantity of friends.

It is supposed that users will exchange photos first of all from mobile phones, it becomes possible thanks to start of the new mobile appendix for iPhone, (and it is very fast and for Android and BlackBerry), and contacts for the list of friends on Path to users of a personal social network are offered to be chosen from the telephone directory.
Under the statement of the author idea business, service Path is focused on an exchange of photos with close friends and relatives. According to instructions for use personal social network Path, the participant can get no more than 50 friends, unlike the same Facebook where this number isn't limited. «If on Facebook and other social networks users acquire« friends »with a velocity of light, and as a rule, with the majority of these people they have a little the general, it is faster a superficial acquaintance thanking Path they have possibility to communicate with true friends in the real world, instead of on the monitor screen», - mister Morin speaks.
Personal social network Path is a network for close friends. Restriction to 50 contacts is based on researches of anthropologist Robina of Dunbar (Robin Dunbar) considering that the human brain can support simultaneously to 150 social communications, and number of contacts to people which know also which trust, fluctuates from 40 to 60. In spite of the fact that large social networks offer possibility to users to limit the contacts, nevertheless the last don't feel also comfortably and in safety, as in the real world.

Dejv Morin has collected about 2,5 million dollars on financing of the new project. While the developer of a personal social network doesn't open the information on how he is going to earn money. «Most likely, it will be sale of services, type filters or themes for photographers or advertizing. Though to involve advertisers on the project with the limited number of people it will be problematic», - he speaks.

The indicator of conditions of business Ifo environment of Germany has raised for October contrary to forecasts

The indicator of conditions of the business environment of Germany, counted by German economic institute Ifo and reflecting prospects of development of German and European economy, has made 107,6 points for October in comparison with 106,8 points last month. Analysts, on the contrary, predicted decrease in an index to 106,5 points.

The indicator of an estimation of current conditions Ifo has raised for October с109,7 point to 110,2 points at the forecast 110,0 points.

The indicator of economic expectations Ifo has made in October 105,1 points in comparison with 103,9 points in September. Decrease in an indicator to 102,9 points was predicted.

Retails in Canada have raised on 0,5 % in August

Volumes of retails taking into account rates of inflation have increased in Canada in August on 0,5 % to $36,1 billion we Will notice that throughout two last months retails remained without changes at former level.

Growth has been fixed in 6 of 11 sectors of retail trade on which share it is necessary about 70 % of all sales. The greatest growth of sales in money terms, the made 2,1 %, has been fixed in sector of gasoline stations.

In turn, the greatest falling of the sales which have made 1,8 %, was observed in book and musical shops, and also shops of the sports goods.

Corruption in Russia – United Russia "merit"

Moscow, the Big finance. For last 2 years, at overwhelming majority of presence of "United Russia" in the State Duma, and also in the higher state structures of the power of subjects of the Russian Federation the situation with corruption only has worsened. Whether carrying out of the given parallels is proved, – you ask? Yes it is proved!

Any social institute which gets access to the power aspires to remain on top as it is possible longer. "United Russia" fairly was late in the power and does everything to remain there for ever. If it is primary, its policy has really been directed on creation of the liberal and socially-focused state last two years it has considerably changed, having given way to conservatoire moods. But this only external display, and what actually?

And actually, instead of and further to spend economic transformations, being in power "United Russia" began to advance the people in all public authorities are, of course, it is not advertized, but it so – to 70 % of heads of all public authorities of various levels is occupied with members of "United Russia". In it also it is necessary to understand, so-called, "conservatism" from "United Russia".

Not absolutely fairly, but it is quite logical and clear – the power is fixed on places with use of imperious powers. Yes to us, ordinary citizens, by and large and all the same – the main thing that our rights observed and there would be any stability. But it hasn't occurred …

Increasing the presence at public authorities "United Russia" hasn't taken care of cleanliness of shots – structures much, people too it is necessary much and where them to take?! Yes somewhere, only was a member of "United Russia" and approached on qualification a little. And in such потоковом political "manufacture" can't do without marriage, moreover and in such deadlines.
Yes, the problem a minimum has been executed – now what not the official, the United Russia party member. But quality of these United Russia party members leaves much to be desired – every second коррупционер. Worst of all that image of these officials and bureaucrats was transferred also to "United Russia", and instead of once party-savior of Russia, before us oligarchical federal the structure (octopus) with the branched out officialdom which activity is directed only on preservation of the power at any cost – by the rights and freedom of citizens, democratic ideals, liberalism, a legal society now was. Many facts testify to it – the facts of acceptance of laws which limit in the rights of ordinary citizens and strengthen state structures, the official counteraction of opposition at all regional levels, the antisocial laws, existing practice of "confidential" voting in the State Duma – one for everything, and also corruption growth, a latching of small-scale business and lobbying large.

So why "United Russia" is guilty in corruption growth – the basic thesis of given article? Because its people also are present practically on all supervising posts where this corruption and prospers! And as it is known – fish decays from a head …

Whether is logical to solve the given conclusion only to you, it only opinion – private opinion!

How News Affect Forex?

The global financial markets are interconnected and depend greatly on the financial and macroeconomic statistics. The Forex market is not an exception. Currency rates — the basic instruments of the foreign exchange market — are affected by the by major financial news, fundamental statistical reports and important geopolitical events. But nothing compares to seeing the actual effects of the news on the Forex market. Here you will find three major examples of such influence.
Monetary Actions

Such news as monetary policy decisions by the major central banks have an immediate impact on the currency pairs. If the interest rate is changed too fast or too slow, or an unexpected comment is made about the future interest rate changes, the currency pairs rally or fall with a speed of light. When the Federal Open Market Committee (FOMC) of the U.S. Federal Reserve announced its first rate cut from 5.25% to 4.75% on September 18th, 2007, after a long series of the rate hikes, it pushed EUR/USD up. On the EUR/USD hourly chart below you can see a jump in the rate as the dollar lost a part of its attractiveness with the lower interest rate and the euro advanced. The reaction has been instant and a strong bullish trend has followed afterwards.
Macroeconomic Releases

Another important type of Forex news that has a strong and immediate impact on the currency rates is the macroeconomic releases and reports. One of the most noticeable effect belongs to the U.S. quarterly GDP data releases. If the reported quarterly change differs from the expected value or is simply significantly above/below the previous quarter, currency market react with unpredictable fluctuations. When the Bureau of Economic Analysis (U.S. Department of Commerce) released its advance GDP report for Q2 2008 on July 31st, 2008, a sharp spike appeared on all dollar-related pairs. The reported change was +1.9%, which was below the expected +2.3% value. The presented chart shows EUR/USD hourly price movement with a strong spike-like candle exactly after the GDP report has been published:

Geopolitical Events

Some global geopolitical events have a considerable influence on the Forex market. Wars, political scandals, elections, peace treaties, nuclear bomb tests and terrorist attacks usually result in a lot of consequences and expectations regarding those consequences. And the currency rates respond to such events with the fluctuations that end up in termination of the old trends and setting up of the new long-term trends. September 11th attacks upon the United States was a major global event that was followed by unprecedented geopolitical consequences — war in Afghanistan and Iraq, higher spending on U.S. war budget and a higher U.S. fiscal debt. It can be seen on the EUR/USD monthly chart below that the September was one of the pivotal points in trend reversal from a bearish one to a bullish one. The dollar has been falling since then:

As you see, the impact of the news on the Forex market can’t be ignored. Whether you trade intraday or long-term, your currency positions will be affected by the Forex news. That’s why it’s important for the currency traders to monitor all the related news and make the market decisions in relation to them. 

Ikon forex “US economic data was weak, UK national debt surged up sharply”

Ikon forex “UK national debt surged up high sharply on Friday (October 8), and the yield rate of the national debt was up to close the record lowest point in August, and the previous employment data was suddenly weak, which pushed the expectation of the US FED taking the further quantitative easing policy in the forex market surged.
Affected by the strong buying in the Asia forex market, UK national debt performed better than the Germany national debt, it was saying that the central bank of Asia bought in UK national debt to invest in many sections.
The UK national debt was closed 0.69 higher at 125.37, up to close to the highest point at 125.56, better than the Germany national debt.

Return of a part of payments

Round giants of the Internet industry образовывается the whole legion of the various services, helping to live to these monsters and their clients/users. Services are given absolutely various: for example, creation of correct profiles in social networks or colourful images for eBay. Recently for Russian-speaking users of the mentioned auction eBay, and also Internet shops Amazon and Boutique service Profitbid has opened, offering to reduce the price of purchases by return of a part of means at the expense of incomes of the specified shops and auctions.

First of all, Profitbid "is ground" under work with auction eBay. eBay is the biggest Internet auction in the world. He that earns a beret from sellers the commission which size depends on the several factors including cost of a prize, the sale form (auction or the fixed price), advertizing and advancement methods. Partners eBay, involving buyers on auction, receive a part of these earnings. And so Profitbid also is one of auction partners, and service suggests a part of partner earnings to give to buyers, stimulating, thus, to make purchases, using its partner references.
Service approaches as beginners who do the first purchases, and more to experienced users who know eBay up and down. Return of money resources occurs cash or WebMoney and makes from 24,99 % from profit of auction from each prize, without the minimum threshold of a conclusion. To specify percent of return from cost of the goods it is more difficult. Average indexes of 1-10 % from cost without transfer, and the cost is less, the it is more earnings of a platform and as consequence of users of described system. That return has passed, it is important not to forget what to come to stake on eBay it is necessary always under partner references ProfitBid or using their system of search in auction. That employee ProfitBid could define then, how many money returns to the client, that needs to specify number of the bought prize and date of fulfillment of the transaction. All зачтенные returns are visible to the client in "private office". At cashing in of means the commission of 3 % (its beret PayPal) will be subtracted.

The seller of the goods on eBay about return of a part of means to the buyer won't be, and hardly it is interesting to it, whether there was all money with auction or only a part.

All registered users ProfitBid also have the right to return of cash from purchases in the American branch of shop Amazon at a rate of 2-4 % from the sum of the got goods without transfer cost.
The founder of the project Denis Kabalkin says that the idea of creation of similar service has come after some years of using eBay as the seller and the buyer. In search of increase in profit have started to use as well реферальную the program eBay basically in the market of Russia and the CIS. Quite often when the person sees a picture as a whole and already in what that for a long time "cooks" business necessarily there comes the moment of search of new ways. Approximately so it also has occurred. It would be certainly pleasant to appropriate originality of idea, but unfortunately make it Denis can't. After check the whole niche of the sites working in this area in the markets of Europe and America was found out. The name of this kind of electronic commerce - Cash Back.

Estimation of quantity and dynamics of users foreign trading platforms at founder Profitbid iridescent enough. By Denis's calculations thousand hundred Russian-speaking users eBay that will be typed. Now to open the account in payment system PayPal is any more the task for the Superman so users will grow only. According to the respondent not far off that time when the platform will open Russia officially.
Further Profitbid plans to expand the list of partner shops, auctions and in general затратных services. For today they make monetary returns from Skype, GoDaddy, Amazon, Boutique and eBay. The list will especially extend at the expense of the Russian systems. In this business the company, of course, counts on opinion of buyers, after all they solve what of shops is most popular and possesses a high index of trust.

Updatings of financial services

Eventually any service planned to long existence, enters new options which should increase loyalty of its users and the size of incomes of the service. In this context it is logical to mention the online scheduler of the personal finance «4 Envelopes» and the leviathan of business "Alpha bank".

«4 Envelopes» – the extremely useful site for understanding of own financial possibilities now and in the future both at stable incomes and expenses, and at emergency situations. We already wrote about this service and as its founder promised, in it paid services are entered. In «4 Envelopes» has appeared the VIP-version, giving a number of the possibilities inaccessible to usual users. Among them:
Access to the report on a monetary stream (shows, of what sum the user through the certain period of time will dispose);
Access to the report on the reserve sum (the system prompts the sum below which the balance of the user never will fall if there will be no unexpected expenditure and which can be liberated without serious consequences for demanded term);
Possibility simultaneously to have more than 15 active expenditure;
Well and, naturally, usually practised for платников priority support and answers to questions.

To subscribe on the vip the system version «4 Envelopes» it is very simple: to pay $1,95 for a month or $4,95 for a quarter (at payment by means of SMS leaves more expensive) enough. All money will go on development of the project and working out of new useful possibilities.

In general «4 Envelopes» turns in the serious scheduler of the personal finance.
In not times best for bank business the Alpha bank at last has paid attention to the virtual cards necessary for increase of safety of calculations for Internet purchases, and has made their virtual up to the end. Now through Internet bank "Alpha cliques" it is possible to let out independently card MasterCard for fulfillment of Internet purchases which won't have at all the physical carrier (earlier a virtual card all the same represented a plastic piece), but only necessary requisites – number, a name of the owner, an expiry date of action and a CVC2-code. The card to the chosen account becomes attached and the limited period – a maximum month (about a temporary restriction it is possible to learn only from conversation with the representative of bank, but not on an establishment site) operates.

For card "release" it is necessary to pay 49 roubles, and it is created instantly. That is it is possible to create for a small payment a virtual card directly for demanded payment operation and to put into the connected account only the demanded sum. Even if someone superfluous will obtain the given cards, to use to it it will not turn out. Also it is possible to establish a limit, more which it is impossible to pay for a card, independently to block/unblock and delete a card in Internet bank.

It is interesting, whether there will be sometime a hybrid of the good scheduler and good Internet bank?

Modeling investment

For the majority of people investment in securities – process absolutely not clear, but attractive. Cottages, yachts and mentions in lists Forbes in dreams to themselves draw many, but to understand, as the stock market functions, and that on it it is possible to do, is capable and everyone wants far not. For involving of such "fans" (to be exact their means) in an exchange turn financial bigwigs have once thought up PIFS. Recently American company Covestor Inc. Has started the alternative tool which it is possible to name as «modeling investment».

Online system Covestor Investment Management (in abbreviated form CVIM) gives the chance to users to follow automatically to the certain model copying actions other skilled or in general of professional investor. That is the system itself will make the same operations what someone spends another for the client.

The minimum deposit is necessary for an input in CVIM at a rate of $10 000 that it is a little – for personal broker service seed capital usually should be in tens times more. According to the founder and the head of the company Perr Blechera (Perry Blacher), the purpose – to give to investors access to the form of government money which was accessible only very much to men of means earlier.
After deposit entering, user CVIM fills a small questionnaire therefore the risk level on which it is ready to go is defined, and according to the deduced numerical value the system results some investment models with the same or smaller level. The user needs to choose only, what model (read the investor) to follow. Probably to follow and several, having divided the deposit sum. At any time it is possible to look at current and last results of the taken place autotransactions and at desire to replace used models of investment. For the services Covestor raises the commission at a rate of 0,5 % – 1,5 % annual from the sum of means of clients of a turn, that is earns not on quantity trading operations as that is done by usual brokers.

Investors, whose actions are accessible to copying by followers, are selected by company Covestor manually on the basis of their experience and results. "Fashion designers" are interested in the logical image in income bringing to the followers and increase in their number – the award depending on quantity of adherents is paid for it. As a matter of fact, it is a payment for an information openness – everything that they need to do for attraction of followers, it is favourable to dispose of own means.

Stock exchange Forex: a trading corridor, тиковый the schedule

If you were interested in specificity of work of a financial stock exchange Forex should know and understand as well as on what there it is possible to earn. In any trading terminal the basic tool are the schedule and the thinking bound with logic of the trader.

Trading corridor


If you were interested in specificity of work of a financial stock exchange, should know and understand how to earn on форекс. In any trading terminal the basic tool are the schedule and the thinking bound with logic of the trader. Any, even the beginning trader knows that the price of currency pair isn't necessary on a place, and that constantly moves in one, in other direction. So if to look at it in hardly wider time range it will be possible to see the similar periods: when the price doesn't rise above a certain point and also doesn't fall. In other words it is possible to spend two horizontal lines on maximum and floor price. It in language of traders also is called as a trading corridor. So the bottom line which the price reaches and turns back, will be called as a support line, and the line on which the price will be developed above on decrease, carries the name «a resistance line». Depending on the market and quantity of players on the given currency the corridor can be both wide, and narrow. Certainly, on each corridor it is necessary to consider and use the thought over strategy.
The trading corridor outwardly shows an approximate point of a turn of the price, but happens so that the price, for example, went upwards and, without reaching almost thirds of corridor size, has turned back, it is all depends on mood of the big weights of players. So, the more close the price steals up to certain level, the traders if traders are confident more start to be nervous that the price won't turn and don't close the transactions in considerable quantities can happen and corridor break so it doesn't disappear, and simply changes the frameworks and passes to the new prices. But it is necessary to understand that if you have decided to risk and not to close the transaction most likely will lose since пробитие a corridor not always it is possible to foresee precisely. With correct decisions the trader can be helped by fundamental and technical methods of analyses. Also remember that never it is necessary to go va-bank, the financial market of it "does not love".
The tikovyj schedule


The trader working in the currency market already long time, itself calculates and thinks out certain methods and laws in work форекса, does the certain analyses helping and giving the information. Also it is possible to take it and from the schedule, is more exact than schedules of the analyzed pair in different time scales. In the trading terminal it is possible to adjust the schedule for any period from a year about one minute that gives the chance to understand the market, its direction at time switching, and to do for itself certain conclusions and forecasts on the future movement of the price. Besides time scale the schedule can be adjusted on a various method of display of results, for example, linear, the schedule of bars, a Japanese candle. Each of the listed methods of a conclusion of the information has pluses and lacks, but besides these kinds also is available and тиковый the schedule which, unfortunately, by very few people is used for the designated purpose. It shows to the trader any fluctuation within seconds, in other words it shows, than there lives a stock exchange форекс, its interest and mood in the fastest display. Under this schedule, certainly, you will not make any powerful conclusions, but for work as a method скальпирования it can very much even is strong help. So, for example, the trader has made the forecast, has defined a corridor and is going to enter into the market, but doesn't know precisely when it to do, or simply doubts. If it is switched on тиковый the schedule can see a point of a turn of the price in its most origin that will bring to it more profits and smaller chance of loss. Thus, becomes clear that it is necessary to try to use in the trade as much as possible various tools for большей confidence of correctness of the actions.

The bank credit: how to save?

More and more people prefer at purchase of apartment, the car, the computer or other goods to take the credit in bank. And the banks, rendering similar services now it is enough. But not all know how correctly to take the bank credit, and that the most important thing how to make expenses for its repayment minimum.

For reduction of expenses at credit payment it is necessary to remember some rules. The main thing from them – is necessary to take the credit in bank on the most favourable conditions. For this purpose it is necessary to submit demands for loan reception simultaneously to some banks. Then, having familiarized with conditions in each of them, it is necessary to choose the optimum offer.
Having chosen bank, it is necessary to be defined with currency of the credit and its kind (long-term or short-term). Overpayments under the long-term credit finally will appear above, than on short-term. But on the last monthly it is necessary to pay much higher percent. The currency should be chosen depending on currency of a source of the incomes. Besides, having chosen the credit in bank in foreign currency, on the interest rate it is possible to save about 1-2 % a month. But it concerns only short-term loans (till 12 months).

Besides bank credits I exist also express credits which can be issued on the corresponding goods in modern shops. But it not the most favourable kind of crediting as at its use it will not be possible to save. At credit registration it is very important to define size of an initial payment. To provide the best conditions at crediting, it is necessary to make an initial payment whenever possible maximum.
Making out the credit in bank, you also should study the contract in details. Thus it is necessary to pay attention to presence at the contract of position that the bank hasn't the right to change the size of the interest rate unilaterally. In a case if such point in the document isn't present, it is necessary to take care of its inclusion. It will allow to avoid further unpleasant surprises from bank. Also it is important to familiarize with penalties which are provided by bank in various cases.

And the most important way of minimization of expenses under the credit is timely entering of payments.

Trading Systems Forex

Market Forex (FOReign EXchange market) - the interbank market generated in 1971 when international trade has passed from fixed rates of currencies to the swimming.



It is set of transactions of agents of the currency market on an exchange of the stipulated sums of monetary unit of one country for currency another at the coordinated course for certain date. At an exchange the course of one currency concerning another is defined very simply: supply and demand – an exchange which both parties agree.


The market Forex - highly liquid highly profitable and highly risky

The market which works five days in a week without interrupting for the Russian holidays, 24 hours a day worldwide.
In usual life each person faces market Forex imperceptibly for itself paying off for purchases by a currency card the visa, recharging on a mobile phone, changing currency in an exchanger, buying the ticket aboard the plane, etc.

In the beginning of formation of market FOREX banks had a necessity fast envelopes of currencies for execution of the obligations and obligations of clients.



In due course turns have increased also trading systems, and also many banks have found out that after carrying out of all obligations on converting of clients the bank on it has got good profit.

It has led to formation of system and definition of rules of Trade in the market (форекс analytics). With development of new technologies banks have opened access to market Forex to the clients, giving the chance to earn clients on a difference of currencies and to get additional profit from trading operations of clients raising the commission in the form of carrying over of a position of the client since one day in another and collection of the fixed compensation at carrying out by the client of trading operation in market Forex. The auctions in market Forex share on some continuous sessions Asian, American, European these working hours of the basic participants in market Forex at this time there are news, statistics, the data of these regions. The client can work at any convenient time for it, the market is equally liquid at any time.
Working in market Forex you receive so-called "shoulder" which strengthens your capital in 100 times. Roughly speaking, if at you is on account 1000$ you can make transactions with a prize 100 000$


You can earn the capital!!!

How to earn on investments on the Internet

At many the moment when money in the keeper collects comes sooner or later, and there is a question where it is possible to enclose them that they made profit. It is possible to find the person for кредитирования through trust limits, but thus earnings will make 5 % a month.

Intraday Investment Group – the company which is engaged in trust management by the capital at stock exchange Forex and in the market of futures. Operate investments a command skilled трэйдеров thanks to which efforts this work on the Internet is profitable.

John Vajtmor who in 2005 has suggested colleagues Michel Rohneru and Victor Grekovu to unite knowledge for creation and management by large investment fund has created IIG independent трэйдер. In the same 2005 in fund money has been put up by the first investors. To 2007 IIG it was accessible to only limited circle of people. Contributions were accepted from $5000, and the information on the company extended through the familiar.
In 2007 site IIG for what high quality experts in sphere the Internet of technologies have been involved has been created. The site has allowed to use company services to any interested person, and now earnings on the Internet are accessible to all. Old clients of the company also are served now online that has accelerated many processes. For example, all contributions are accepted now in an automatic mode that allows to accept the small sums, therefore today everyone can force to work money.

Web browser "Opera" marks this website as «the Checked up knot». It means that the knot has been checked up by the third entrusted party, not brought in ЧС (the black list) Opera.

- Protected report HTTPS - protection of accounts against hackers;
- Report SSL - protection against swindle.

The password consists of thirty symbols, each of any 6 symbols is entered manually at помоши "Virtual keuboard"! On a conclusion of means passwords single, 50 pieces all them!
The daily statistics shows charges of dividends of all investors. The days off of the count it is noted by figure "0". Charges it is carried out from 9.00 till MOSCOW TIME by results for yesterday.

The real average percent makes 1 % have arrived that means that in couple of months the contribution already to double.

Everyone, probably, interests, for what the company pays such percent. A simple language it speaks so: money simply does twice more money on форексе, they work. About форекс it is not necessary to write much, everyone who was interested once in earnings on the Internet knows that it. However independently to trade risky, it is better to entrust money to professionals.

Analytics of a course or who supervises over US dollar.

Analysts of many countries including from Societe Generale assert that the dollar nevertheless gradually falls on the verge ребаланса costs of oil, ores and grain because of their quantitative reduction.
For example, in the bank of the Russian Federation have noticed that fears of growth of inflation in the country on means of generous fall of rate ФРС have very "quickly replaced all conversations on a theme of threat of recession. Though to dollar from it and it is not easier. Not so long ago the dollar (as actually and yen) at the recession could return insignificant losses. On an analyst of experts in currencies, it is promoted by falling of index Nikkei. And also on the general background the FRS-RISK has considerably increased that provokes also restoration of former positions carry trade. The Dollar exchange rate at the auctions across Europe was a little fixed, and at once dealers come out with the assumptions that the reason for that conversations on an astable financial situation on Philippines.

Who supervises over dollar for today? Everyone at desire can easily calculate, where exactly the American currency will go. For example, Russia observes of destiny of dollar especially steadfastly, it appears, on that is the reason... Today as "fans" of dollar people who pays it the credit in a considerable quantity act and is constant or rent. Here they always reflect, what is better to pick up the moment for purchase of dollars or for a case to take the credit without huge losses in the future. Even analytical forecasts appear occasionally erroneous.
Besides, in Russia not only simple people puzzle, will cost how many dollar for tomorrow. Professionals also are in constant confusion and not seldom get to deadlock. And so the basic engine of dollar is the news background. It brings any economic data from зарубежа and they can how to drop easily downwards dollar, and again it to lift from a non-existence. It is actually very surprising, but it appears, the information is capable to put shattering change not only to a dollar exchange rate, but also even to laws!
After all if news come to inhabitants of the country good, for example, about unemployment reduction also the currency will be in plus and also on the contrary

The business organization on stamping of souvenir coins

Tourist season – time of the big expenditure for one, and simultaneously the big earnings for others. Here, certainly, means tourists and enterprising businessmen accordingly. To earn on tourists it is possible or entertaining them, offering various excursions and show, or selling it numerous souvenirs from memorable places.

Original idea of own business have thought up умельцы from the small company working in one of resort small towns of Altai. They have thought up how to unite these two approaches in one rather profitable business. Children have developed the special equipment which allows any person to rap out independently to itself for memory a souvenir coin with the image and original symbolics of a resort place.
Process of manufacturing of a souvenir is very simple, for this purpose monetary preparation, in size with a five-rouble coin, is located in a small steel press in which the special stamping stamp with the volume image put on it which will be rapped out on a coin is built in. After that press surfaces are closed among themselves, and the buyer needs to take only in hands a hammer and with force to strike on the top cover of a press. As a result the tourist happy with process, receives the memorable coin.

Unusual service has appeared is claimed not only on crowded tourist routes, but also among advertizing and event agencies. With their help service began to be in great demand at carrying out of various celebrations (wedding, anniversaries, корпоративы), and also at exhibitions (stamping of firm symbolics), various промо and BTL actions. Service is in great demand among owners of restaurants, cafe, hotels, parks of entertainments, aquaparks, etc. Visitors, for a moderate payment, mint coins with institution symbolics. People carry away these coins with themselves and show to the friends, acquaintances and colleagues. Thus, the owner of an institution gets profit on stamping of coins, and also provides advertizing of the institution.
One such «the Monetary attraction» brings on the average 50-70 thousand roubles a month, thus expenses for its operation make no more than 15-20 %. Here some figures which demonstrate profitability of a monetary attraction:
Cost of rent of the earth of 1-2 sq.m. in a passable tourist place: on the average 4-6 thousand rbl. a month;
Salary of the operator: 10000 rbl. + % from sales;
The price of monetary preparation for partners: 30 rbl.;
The minimum quantity of clients in day: 10-15 people;
The price of service for klientov:200-300 rbl.;
The full recoupment of the equipment comes in 1-2 months

Thus, after a full recoupment of the equipment, that is, in 1-2 months, «the Monetary attraction» starts to work with profitability about 500-600 % (simple arithmetics: incomes a minus expenses).

Now at the disposal of the company such 6 points, staff has grown to eight persons. At children the big plans for the future summer season, thus as experiment at correct advancement «the Monetary attraction» shows is capable to bring quite good money all year long.
Now our company suggests you to begin own business and to become the first in the region. The market of the given service only starts to be formed to Russia and the CIS, however does it by fast enough rates. We have made everything to facilitate your problem: offering a package for ready business «the Monetary attraction» - we have already thought over all details for you, minimized your expenses and have lowered risks. We can tell with confidence that this business works, and works successfully. We were convinced of it on an example of several regions of Russia.

Getting at us a starting package of business «the Monetary attraction», you receive business "on a turn-key basis". In the complete set there is everything that is necessary for fast start:
The complete set of the special equipment for stamping of souvenir coins;
Some individual cliches for stamping (drawing - any on your taste)
Expendable materials for stamping;
The business plan with in detail described strategy of advancement of service;
The complete set of advertizing materials;
Free technical support.
Advantages of business with us:
Process of manufacturing of coins by means of our equipment completely manual also doesn't demand an electricity;
«The monetary attraction» can be established, is absolute in any place (both indoors, and in the street);
For its placing the minimum area (enough only 1 sq.m.) is required;
All process of manufacturing of a souvenir occurs in the face of the buyer;
The buyer himself is directly involved in process of manufacturing of a memorable souvenir – that favourably allocates the given kind of souvenirs on the general background;
At the minimum starting investments the high profit level (a recoupment package business is reached in 1-2 months) is provided;
Profitableness of business at recoupment achievement makes 500-600 % (the cost price of preparation of 30 roubles – recommended sale price – 200-300 roubles).
1 year of a guarantee on all components of installation for stamping of coins.

New technique of bookmaker rates on sports.

There is one developed and checked up system of game on bookmaker rates on sports. Well, of course, if you understand sports a little, but it isn't obligatory. The main thing – to understand a principle. Having studied the given technique, you never burn through because of ставкок on sports, and at the thought over planned game can provide yourself on all life. In advance it would be desirable to warn, if you very keen person, i.e. can't supervise the emotions and personal predilections during game, like to stake on the favorite team then it is better to you to close this page! Abstract from football привязаннойтсей and be guided exclusively by factors and common sense.
Technique principle at bookmaker rates on sports.

Be registered you can in any bookmaker office, for example here. It is very simple scheme, it more применительна to football, especially to matches of a Champions League, the Cup of UEFA, Kubka Intertoto. Also will approach also to games playoff NBA, NHL. Those matches where it is spent on two games. It turns out, one command once will play at house stadium in the city (house) and once at stadium of the contender (on a visit). Especially pay attention to little-known commands therefore as factors on them are most irrational, i.e. or are too overestimated at one command, on another are accordingly underestimated.

For example, two little-known commands play. - Kerenn – Lillestrem. Reciprocal game in the field of Kerenna. Not each football fan will tell, who here the outsider, and who the favourite. We will tell more, many football fans at all don't know such commands. That is why this method can approach all.
Let's look at result of the first game in the field of Lilistrema, it has come to the end with account 2-1 in favor of Lilistrema. Under the account you will tell nothing, however, for some reason in reciprocal game (in the field of Kerenna) Lilistrem was considered as the favourite, the outsider was Kerenn. The factor on its victory (a command of Kerenn) makes 13.0! I.e. from 10 roubles you receive 130 roubles, and from 100 roubles – 1300 roubles etc. Factor on a victory of Lilistrema very low 1,2. To tell the truth, sense on it to put isn't present. First, in itself low коэффицент even in case you will guess, won't bring to you the big money. Secondly, if we look at the first game the victory of Lilistrema with the minimum account (2-1), gives very low probability that in the field of the contender they will win. Defeat in modern football in the field of the contender with the minimum account of an abacus leaves good chances to a command-contender both on a victory and on an exit in the following round. As on the football statistics the factor of the field (i.e. Game at native stadium at complete support of the fans) is in an overwhelming case solving in an outcome to a meeting.
If we take about equal commands on force, And and B.Komanda And has won on the home field 2-1, you will put what outcome on the second game? Certainly, a victory of the team on the home field!

Yes, probably you will tell that Lilistrem plays more strongly, and can has spent not the most successful home match. But it turns out that according to the declared factors, Lilistrem on a visit (that Lilistrem who has won houses only 2-1, ostensibly, outsider Kerenn), plays 13 times more strongly, than Kerenn playing the houses! Whether it seems to you, коэффиценты on a victory of Kerenna, to put it mildly, are too overestimated. As a result, we look Kerenn has won 1-0 on the home field. We remove, 1300 roubles from 100 roubles.

And it at all a single instance, we look factors at other steams: Маттерсбург - (10) – Aktobe (1.2). The first match of Aktobe of the house has won with the minimum account 1-0. And chances in a reciprocal meeting on a victory of Mattersburga too it is underestimated. As a result of Mattersburg wins 4-2.
The sense of idea consists what to find about such 10-15 similar matches where the first game has ended with the minimum account, and in reciprocal game chances of a victory, ostensibly, the outsider playing native walls several times are underestimated, and consequently коэффиценты is incommensurable above (beginning from 10.0), than should be (an example of such factors, 10.0, 15.0, 25.5 etc.). After you choose similar matches, put on a victory of each of owners (on their victory will be overestimated коффициенты) the equal sums.

To check up this idea in practice, try to stake to begin with on sports at a rate of the small sums, we will tell on 10 roubles. In case of 1 of 10-15 guessed outcomes, you already pay back all staked and moreover, be the winner. посудите logically, you have 10 matches. In the previous matches, ostensibly, outsiders (though the account at all doesn't reflect what exactly they outsiders) have lost on departure with the minimum account or have played a drawn game. What chances, what at least 1 of 10 matches will come to the end with a victory of owners? And 1 from 15 matches?! Are very high!

Business without investments

For the majority of people "business without investments" means absence of risk of financial losses. Now we will find acknowledgement to often repeating phrase: «to begin the business, it is enough to have not money, and idea and desire». The people, wishing to become businessmen on such basis, hiring of professional employees, advertizing campaign carrying out etc. Thus should realize that such pleasures as office rent will be inaccessible to their business, in business without investments some positions are easily replaced. For example, in business the center own apartment of the businessman can easily replace the rented office, and instead of a scale advertizing campaign emergency coverage of the nearest environment of methods «сарафанного radio» is spent.
What pluses in business without investments are found by supporters of this original business?

1. The insurance from regular checks of tax, fire and other services. Microscopic scales of business without investments such services, as a rule, don't interest.

2. The insurance from the big financial losses. The greatest expenses which are born by the businessman are time and power expenses.

So, in what spheres has prospect business without investments?
In - the first, it is sphere of services. Delivery of dinners in office, service of the personal tailor, rendering in-home hairdressing salons, маникюрных services, sticking-up of announcements, express services etc. we Will consider some spheres of business which are lately most popular.
Coffee automatic machines or вендинг.
We don't discuss that variant вендинга when it is necessary to get in personal property one and more coffee automatic machine. Large вендинговые the companies often suggest to lease them second-hand automatic machines. And the businessman, independently choosing a passable and mass place visiting of people, concludes with the proprietor of a premise the contract and establishes there the automatic machine. Other question – and whether in this place will be popular services of the automatic machine or it time most part will stand idle, without bringing profit to the суб – to the owner.

One more variant business and without investments - a writing of term papers, control, degree, abstracts. Also it is possible to consider possibility of the arrangement with the teacher about the organization of sessions.
For the people understanding in the computer technics, there will be is interesting following offer. Some companies, developers modern, and even the non-standard computer technics of periphery suggest inhabitants of cities of the Russian Federation to represent itself as their dealer.

Creative, active people, and also teachers, probably will accept a variant of the organization of holidays and corporate parties. The demand of this kind of business last years grows, and especially in New Year and the spring final.
It is not dependent on the size and character of investments in the business, one component of business remains invariable. It is a question of readiness and ability to overcome difficulty on a way of the businessman. After a victory over obstacles, the person beginning the business becomes the successful businessman.

Forex - Concern over Irelands Banking Sector Halts EUR Rally

Forex News and Events:
 Another strangely quiet day in the FX markets so far. With not much to discuss, markets have been actively chattering about the WSJ article which claimed that the Fed will be pulling back on the “shock and awe” asset purchasing and instead will turn toward smaller, more targeted purchases. The overarching effect on the market will be a radical adjustment to quantitative easing (QE2) expectations and should give the USD a temporary boost to the upside.

Of course, any movement for the greenback depends heavily on economic data and a further erosion in fundamentals will rapidity have the Fed singing a much different tune. USD bulls were able to halt selling during the Asian session and USD-selling in European session is tentative at best.

The other central bank under the QE microscope due to a media report is the Bank of Japan (BoJ). Nikkei news reported that the BoJ is considering further policy actions ahead of next month’s meeting – something that if it happens, will be Yen negative.

Theories and rumors that the BoJ will increase government bond purchases were quickly refuted by Minister Noda, however we believe this will ultimately comes to pass as it’s the most logical avenue for the Japanese to choose. On Japanese economic data, exports rose by a less-than-expected +15.8% y/y vs. +19.0% expected – the data did provide a nice motive for earlier physical intervention as the strong Yen was blamed for the negative spillover into the real economy.

In the UK, Q2 GDP figures are due to be released, a figure which many will be watching as the preliminary release came in significantly higher than expected. Any revision down on this figure will only fuel speculation that further BoE quantitative easing may be around the corner.

Remember that the September BoE meeting noted that a few members foresaw that "the probability that further action would become necessary to stimulate the economy had increased" and members "stood ready to respond in either direction as the balance of risks evolved." Yesterday, the IMF endorsed the UK’s fiscal tightening plans which helped reduce the likelihood of a sharp fall in confidence. For those of you trading the Pound, keep in mind that the market will likely remain jumpy ahead of the Oct. 20th government fiscal austerity measures announcement.

While the UK government rapidly attempts to avert a fiscal crisis, the environment should be positive for the sterling in the long term – however, the upcoming announcement and the looming possibility of further BoE easing will weigh on the GBP in the near term. For pound fans, we would avoid GBPUSD and instead look to trade it against a fiscally sound “Scandi” or “Swissy” in the near future.

With a light economic calendar today, the market will likely focus on EU sovereign risk. In the peripheral countries, yield spreads and credit-default swap (CDS) prices continue to climb higher led by Ireland and Portugal - Irish 2 yr yields rose to their highest level since 2003. Yesterday’s downgrade of Anglo Irish's unguaranteed, senior-debt underscores market anxiety about that the Irish banking sector while rumors continue to swirl that Moody’s is preparing to downgrade Spain. We are not Euro positive today.

Forex Glossary

Before you start your forex trading experience you must make sure you are familiar with all major phrases and jargon of the forex market. Misunderstanding or using the wrong language might be embarrassing or even result in loss of money.

So, in order to make your life easier, and your forex trading understanding a little better, we have assembled a list of what we feel are the most important terms in this market. We tried to keep the list relatively short and put in it only the major, most important phrases, so new comers don’t get really confused.

You’ll pick up the rest of the terms throughout your own journey in the financial markets maze.

Carefully read and memorize the terms and their meaning and make sure you know them all before you start trading.

Currency Pair: two currencies constituting the exchange rate, e.g. USD/EUR.

Base Currency: the constant currency in a currency pair, the base currency always gets the value 1 and is always located first in the currency pair. E.g. in the currency pair USD/EUR USD, the base currency will always have the value 1. EUR’s value will determine the exchange rate for this pair.

Ask: The price that a seller is asking for a currency.

Bid: The price that a buyer is willing to pay for a currency.

Spread: the difference between the Ask and Bid prices at a certain point in time.

Stop Loss: an order that limits the price of a transaction (lowest for a seller or highest for a buyer) in order to restrict potential losses from the transaction.

Limit: an order to buy when a market reaches a certain price, when prices are falling, or sell when the market reached a certain price, when prices are increasing.

Clearing: Settling the transaction

Pips: often referred to as points. The smallest unit in a currency price, it is located in the fourth decimal place. So an increase in a currency’s ask price from 1.4555 to 1.4556 is a 1 pips increase.

Futures: a transaction for the selling/buying of foreign currency at a specific date in the future in a specific, predetermined exchange rate.

Long: buying a currency under the assumption that its’ value will increase.

Short: selling a currency under the assumption that its’ value will decrease.

Technical Analysis: using historical data to forecast future trends in the financial market.

Fundamental analysis: using economic and political information to forecast future trends in the financial market.

Appreciation: an ascent in a currency’s value.

Depreciation: decent in a currency’s value.

The rouble partially compensated losses of week

"Basket growth was not absolutely speculative, there was an emergency exit from short currency positions: this week the good buyer (currencies) after which leaving the dollar could fall below 30,9 (roubles)" participated in the auctions, - Anisimov has told.

"The main reason волатильности - shortage of the offer of the dollars necessary for repayment of an external debt, credits and specific transactions the companies", - Vladimir Demeshev from the Three Dialogue has told.


Participants of the market connect rouble strengthening on Thursday and Friday with increase in sales volumes of an export gain under the tax payments which peak is necessary the next week.

Volume of tax payments under the tax to mining operations (НДПИ) and excises which should pass not later than September, 27th, will make 150-180 billion roubles, and under the profit tax (till September, 28th) - 160-180 billion, Maria Pomelnikova from bank has counted up the Trust.


Демешев considers that the Russian currency market next week expects instability, Demeshev considers.

"There will be tax payments, exporters, most likely, have sold the gain most part", - he has told.

"I think, the market will be affected by taxes and if the buyer has left, at levels of presence of the Central Bank we have nothing to do. I think, the basket can decrease to 35,30, and further - we will look", - Anisimov has told.

The Central Bank has explained weak rouble and inflation splash

Moscow (Рейтер) - the Central Bank of the Russian Federation has passed from currency purchases to sales against falling of rouble which he as a whole explains increase in import with postcrisis restoration of demand, and partially - gamble, especially last days, the head of the Central Bank Sergey Ignatyev has told.

He also has promised gradual easing of the basic inflationary factors - growth of the monetary offer and the prices for the foodstuffs owing to a drought, and at discussion of a percentage policy has lowered the promise traditional for last months not to change the rate.
"Last months I would carry to number of the possible reasons of some easing of rouble, first of all, a tendency of decrease in proficiency of the current account of the balance of payments as a result of fast growth of import. An important role, especially last days, purely speculative factors" have played also, - Ignatyev in the State Duma has told.

For a week by September, 22nd the basket has risen in price for rouble, or 3 percent.

"Currency interventions of Bank of Russia last months were very insignificant. For example, in July we have bought only $0,5 billion, in August - $1,3 billion. In September we already sold foreign currency, and from the beginning of month on September, 22nd we have sold $0,6 billion".
Ignatyev has refrained from estimations of a current rate of rouble and has confirmed adherence to the transition plan to free swimming and inflationary таргетированию in the future.

INFLATION OVERTAKES THE RATE

The head of the Central Bank hasn'ted a fast gain of the monetary offer - on third for a year by September, 1st.

"It is much less, than in some precritical years. But much more, than we predicted in the end of the last year. Thus, certain risks of acceleration of inflation are formed and from the monetary offer", - Ignatyev has told.
"Fast growth of monetary weight is connected with two circumstances: first, it is scale purchases by Bank of Russia of foreign currency in the internal currency market in the first months of year. Secondly, it is heavy expenses of means of Reserve fund on financing of deficiency of the federal budget in January-April, 2010", - Ignatyev has told.

Since the summer the Ministry of Finance in search of means of financing of deficiency was switched the internal debt market that Ignatyev "in every possible way supports".

"Thus, the next months we expect delay of growth of monetary weight", - the head of the Central Bank has told.
Other inflationary factor - a poor harvest - also will come to naught in due course, he has promised.

"Inflation growth is connected, first of all, with a drought and a poor harvest... It is represented that the extremely adverse weather conditions, developed in the summer of current year, can render though also appreciable, but the influence limited in time for inflation. To autumn of the next year this influence can be completely settled", - Ignatyev has told and has promised inflation for all 2010 around 8 percent, on the top lath of the forecast of the government of 7-8 percent and at the former forecast of 6-7 percent.

If the new forecast of the Central Bank comes true, the rate of refinancing of the Central Bank will appear less inflations. Since June, 1st, 2010 it is on a historical minimum of 7,75 percent, and the Central Bank promised not to change it till now "the next months". Last such statement has sounded on September, 2nd, however on Friday Ignatyev, speaking about rates, has refrained from the become formulation already traditional for the Central Bank about their invariance "the next months" and from the forecast as a whole.

The Central Bank board of directors about rates is planned for September, 28th.

IMPORT EATS PROFICIENCY

Expensive oil supports proficiency of the account of current operations of the balance of payments of Russia at high level - $58 billion for 8 months that more than twice above, than year before. But the situation changes.

"If in the first quarter monthly average value of balance of current operations exceeded $11 billion last three months - June, July, August - its monthly average value makes about $2,8 billion", - Ignatyev has told, naming a principal cause fast growth of import.

For 8 months import has grown for 30 percent that Ignatyev has explained renewal of economic growth, increase in real incomes of the population and strengthening of rouble till May of current year.

Capital outflow with which Russia has passed through world crisis from the moment of the Georgian war of August, 2008 and visit of Putin "doctor" to a Mechel, proceeds, but smaller rates. According to Ignatyev, for 8 months pure outflow of the private capital has made $12 billion, but all it has had for January.

ARE STABLY DELAYED

Ignatyev hasn'ted growth of credits of banks to the companies and the population for 7 percent from March till September after reduction for 1 percent in January-February.

"Level of the delayed debts on bank system was stabilized, but while the steady tendency to its decrease isn't present", - he has told.

Debtors on беззалоговым to credits, which Central Banks will refuse by the end of the year, there are 7 banks with the general debt of 46 billion the roubles which part is re-structured and translated in the provided. 2,6 billion roubles more debts "hangs" on the bank deprived of the license in February, 2009, Ignatyev has told.

On беззалоговых Central Bank credits has earned 150 billion roubles.

Devaluation: to be or not to be?

The first "have sounded the alarm" on the basis of research of GU ВШЭ in "the Independent newspaper". According to the forecast which is published in the bulletin of the Center of development of the Higher school of economy (ВШЭ), December payments on external debts and import growth will lead to a dollar rise in price to rouble approximately on 20 %. Interrogated by magazine "Personal money" experts so it is dramatic to the forecast haven't concerned, and have explained the reasons of hearings about devaluation.
As writes "НГ", volume payments by the Russian authorities, banks and the companies to non-residents by the end of the year should become the reason of possible devaluation. Besides, experts of the edition expect reduction of balance of current operations that actually means deficiency in the country of foreign currency which arises because of excess of import over export and capital outflow.
It is clear that this year import excess rather possibly. As the reason for that will serve both droughty summer-2010, and growth of import of pharmaceutical production (in connection with introduction of state price control from the list of the vital and necessary medicines), and a great demand of Russians on import clothes, footwear, home appliances and cars.
However all listed reasons earlier by no means it is notable on rouble cost didn't affect. And in the meantime, the director of department of financial and economic examination of company "2trade.ru" Dmitry Pushkarev has declared "НГ": "Citizens can try to keep the savings, having bought for roubles dollars and euro. We recommend to the population to reduce a rouble share in a basket of three currencies and to increase the savings in dollars and euro regarding capital savings, having kept thus necessary and sufficient rouble base for service of consumer current needs. During the third quarter we reduce a share of rouble from current 30 % to target 10 % in a currency basket till the end of 2010", - Pushkarev advises.
Meanwhile, the experts interrogated by "Personal money", serious threat of devaluation don't see and in the majority adhere a rouble exchange rate to oil cost. And also advise, still, to distribute accumulation in a basket of currencies. However, not all unequivocally hold the opinion, which currencies.
So, analyst ИК "TSERIH Kepital Management" Andrey Vernikov considers that the scenario 20 %-s' devaluations, is improbable. "At the prices for oil not below $70 for barrel a multiple currency basket of the Central Bank (55 % in dollars, 45 % in euro) will cost by the end of the year not above 35 roubles. Chances that the prices for oil won't fail, have become stronger after the government of China has declared this month that will increase investments into commodity resources. Debt payments in December really big, but catastrophic in it aren't present anything. The debt part will be paid only, and other part will be restructured (it easy to make at the present prices for oil). The high prices for oil create capital inflow on trading balance - the bases for special anxiety I yet don't see", - he marks.
"It seems to us expedient to put up money in rouble deposits, and also eurodeposits. In US dollars we don't advise an investment because of uncertainty connected with strengthening of positions of democrats after November congressional elections of the USA. The economic policy can essentially exchange, and current languid restoration will stop, the hyperinflation scenario isn't excluded also. Besides economic problems of Europe" on a kind ", and the scale of problems in economy of the USA is unknown till now. In particular, the exact figure on" bad debts "isn't known and it creates obstacles for an investment in dollar. Our choice: 50 % of investments in rouble and 50 % in dollar", - are concluded by A.Vernikov.
The senior financial adviser of legal company "Tax specialist" Tamara Sudareva draws even more interesting conclusion: "It would be desirable to tell about such financial term which is used 50 years in transactions on the stock exchange - noise trade at first. These are the transactions made not by experts-analysts, and the inhabitants operating under the information (noise) received from mass-media. And if to consider that brokers receive the income from any fluctuations at any calm in the market there is a sense similar" a wave "to create. For some reason in the described analysis there are no references to the world prices to oil, namely it influences an export component of trading balance of Russia", - marks T.Sudareva.
"For last year by data oil-price.net this price has grown almost in 1,5 times - with 58 to 87 dollars for barrel. And inflow of dollars to the Russian economy only has increased. I do not think that changes of structure trading and uncommercial (under the international credits, etc.) balance will by all means lead to rouble devaluation - the Central Bank of the Russian Federation keeps a year a rouble exchange rate in the planned frameworks though and in this period of fluctuation too were available", - the adviser of "Tax specialist" marks.
"Therefore precisely it is not necessary, being guided by one publication, to rush to exchange currency. To provide safety of the savings, they precisely shouldn't be held in any one currency, Englishmen in an ancient saying advised" not to hold all eggs in one basket ". From currency fluctuations it is considered the steadiest an investment proportional to" a rouble basket "Central Bank - 50 % in US dollars, 50 % - in euro", - advises T.Sudareva.
The adviser of department Due Diligence NKG "2К Audit - Business consultations" / Morison International Andrey Chernyavsky marks: "In Russia inflation was accelerated, it is clear that in the frameworks defined by the government in 7,5 % it won't keep within, increases any more import, besides, on the end of the year serious payments on an external debt have, therefore the bases for rouble exchange rate decrease are".
However adds: "But despite these negative tendencies of balance of foreign trade doesn't endure sharply deterioration, outflow of the capital following the results of 2010 from the country will be, but not in very serious scales, a conjuncture of foreign markets and the price for oil remain stable. By the end of the year in 20 % it is not expected serious devaluation of rouble, but rouble подеешевеет. As much as possible the rouble can fall in price on 10 % by the end of the year".
Egor Susin, the head of analytical department of the companies working under brand АЛЬПАРИ is solidary with a position of a binding of rouble to oil cost." Devaluation risks for rouble are present, but while I wouldn't begin to dramatize strongly a situation. The risk goes from the extremely ambiguous situation in the market of oil more likely, the prices were fixed in narrow enough range and more actively react to negative factors, ignoring periodically making the way positive. Negative influence on rouble will be rendered also by a drought, acceleration of inflation and growth of import of agricultural production will introduce certain corrective amendments in prospects of the Russian currency. These are normal processes - the rouble really will be inclined to decrease by the end of the year, but to name it operated devaluation it is not necessary, the rouble market gradually becomes more flexible and reflects a real situation, both in internal economy, and in the external economic relations more. That fact that the Russian companies should extinguish enough great volume of external loans a little about what speaks, since the most part of loans рефинансируется. While oil is kept In a range $70 - $80 for barrel, серьeзных risks of sharp devaluation for rouble aren't present. Inflation growth can make external credit resources slightly more expensively, creditors will ask above the rate but while world liquidity is at enough high levels, it is possible not to panic concerning impossibility of refinancing of credits. Levels 32-33 roubles for dollar will be a reference point by the end of the year, to speak about any special operated devaluation I didn't become, there are objective financial streams - they in a present situation have a priority ", - explains E.Susin.
Denis Barabanov, the chief of analytical department IK "the Capital" summarizes Grandis: "I wouldn't began to name possible some easing of rouble by devaluation. It is normal process when currency that becomes cheaper rises in price as the Central Bank became in this question to more flexible. If we look at the crisis period the rouble has quickly enough restored the positions. The specified factors (payment of debts, import growth, local splash in inflation) will really promote rouble exchange rate decrease, however in the long-term period far not the fact that the real rouble exchange rate will be low. The situation will depend in many respects on rates of increase of economy and its appeal in the opinion of world investors. Plus from the prices for oil".

"As to accumulation, first, the diversification question usually faces well-founded citizens whom is what to diversify. If to speak about the small sums, contributions to bank it is the most reasonable - to enclose them in dollars and euro in the ratio 50 on 50. And in roubles the population gets wages", - advises D.Barabanov.

In conclusion of our review of probability of approach of rouble devaluation, it would be desirable to remind and of a regulator position on this point in question. From the beginning of introduction by the Central Bank of smooth devaluation, border бивалютной baskets were supported by Bank of Russia by interventions. Repeatedly the first vice-president of the Central Bank Alexey Uljukaev explained that the financial system of Russia is insufficiently developed and doesn't offer necessary tools of hedging of currency risks, therefore the Central Bank should be smoothed superfluous волатильность.
Thus, as he said, the Central Bank carries out currency intervention, both on borders, and in the floating corridor which is in limits of the fixed wide corridor of cost бивалютной baskets. The Central Bank operates in two circumstances. The first is connected with trading balance of the Russian Federation - very high positive balance of trading balance presses on rouble towards strengthening, therefore the part of currency of the Central Bank gets without dependence from where there is a course - it comes nearer to the bottom border of a corridor or doesn't come nearer.

Other part of interventions, according to A.Uljukaeva, is connected with capital inflow. In this case the Central Bank gets currency near to the bottom border of a currency corridor. Having made certain volume of purchases, the Central Bank shifts the bottom and top borders of a floating corridor downwards (at purchase of $700 million Central Bank shifts a corridor for 5 copecks downwards, at $700 million sale - for 5 copecks upwards).

And while any reasons, and also official statements, however, as well as hearings, from the Central Bank hasn't followed, the system will operate still.

Greenback Sees Gains Following Positive Chinese News

Closing out the week, we see that the USD has made some fairly substantial gains against its main currency rivals following Chinese news that has bolstered investor confidence in the global economic recovery. After again dropping toward that 15 year low reached earlier this week, USD/JPY staged a mild upward correction in afternoon and evening trading. Its currently looking like the pair will close out the week around the 84.20 level. Against the Swiss franc, the greenback jumped over 100 pips in trading today before correcting itself. The pair currently stands at around the 1.0190 level, up over 50 pips from this morning.

The euro has also been able to capitalize on investor risk taking. Both the EUR/JPY and EUR/GBP have seen gains throughout the day, with the later pair moving up almost 70 pips over the course of the day. The exception has been the EUR/USD pair, which after moving up in early morning trading, has since corrected itself. Currently the pair stands at 1.2720.

Next week promises to be a volatile one, as fresh news from the UK, US and euro-zone are likely to heavily impact the market. Traders will want to pay attention to whether any of this news comes in at better than expected rates. If so, the risk taking we saw today will likely continue into next week.

How to check up a banknote on authenticity: where to address, and what to do?

In the beginning of September-2010 the National bank of Ukraine has dispatched the disturbing letter to all commercial banks. In it bankers have warned that in the country the quantity of counterfeit denominations face value 500 гривен 2006 of release has sharply increased.
Counterfeiters put on fakes only two numbers, differing one letter: НХ 57877778 and НВ 57877778. Under these numbers in which it is a lot of семерок and the eights, it is possible to understand, that a denomination - false!
In National bank of Ukraine; speak what independently to distinguish a fake from the present banknote practically it is impossible. To understand, that at фальшивок there are no certain elements of protection, it is possible only in infra-red light. But such detectors are not present even in many shops.
And here banks can define them - if, certainly, they have a necessary equipment.

 « In these counterfeit denominations ultra-violet protection well is executed, - have told in НБУ. - But, fortunately, criminals to reproduce infra-red protection yet have not learned.
We for a long time recommended all banks to get infra-red detectors - at their availability they can reveal fakes. And in shops where there are only ultra-violet detectors, it to make more difficultly ».
In Natsbank advise: if you doubt of authenticity of a denomination can hand over it for examination.

 Where to hand over a banknote for examination?

 To hand over suspicious money it is necessary in the nearest territorial management of Natsbank (addresses can be learned on a site bank.gov.ua or via phone (044) 230-19-60). There it will check up free-of-charge (examination can last till 5 days).
But if the denomination will appear false it will withdraw without compensation of cost. According to the instruction false banknotes are passed in the Interior ministry, and the damage suffered by their owner, is not compensated. It concerns banknotes of any currency - гривен, dollars, euro.

 Whether it is possible to check up in usual bank?


 It is possible to check up money and in usual commercial bank. However, here it is necessary to fork up: banks establish cost of service on check of authenticity of denominations. Sometimes this tariff also makes fixed from 50 copecks up to grivna for each banknote (including currency), others raise a payment in 0,01-0,05 percent from the checked sum.
In what cases of a denomination withdraw?

 And here if you will give a counterfeit denomination to the cashier and it will start to doubt of it according to the instruction of Natsbank at you it will withdraw for examination. If two or more doubtful banknotes will be detected in you, the cashier is obliged to cause militia. In this case you become suspected in selling fakes.


 But remember, that instead of the withdrawn money to you should give out the cash warrant ratified and press of the worker of bank, accepted banknotes for examination, and the information on withdrawal of a banknote for research. After that money will be sent in same territorial managements НБУ where within 5 days will examine.


 Whether it is possible to receive a fake in bank or an ATM?

 In the theory it is impossible, in fact before gas station of an ATM of money pass threefold check. But it appear the swindler the worker of bank, there can be everyone.
If the ATM has given out you a suspicious denomination, address in branch where the bank is established, or cause militia that they already understood as the forgery has got in an ATM.

 Original signs
In infra-red light on a face sheet of a denomination face value in 500 гривен hair, a jacket and a contour of a neck should be visible a part of a portrait of Grigory Skovorody without the person, that is.
The arms, so-called OVI-face value in the form of ромбика to the right of a portrait, as well as fragments of words "УКРАЇНА", "П’ЯТСОТ", a part of the big face value and two bottom points of a tactile convex sign for people with the weakened vision.


 On the back denominations in infra-red light number of the combined face value (separate fragments of number " 500 " which are located on both sides and on a gleam form a designation of face value), an inscription " П’ЯТСОТ ГРИВЕНЬ ", parallelograms of pink color, a part of picture of a pyramid with an eye and слабоконтрастное a building is visible.


 What to do, if on you have palmed off a forgery « If you have a suspicion, that the denominations which have appeared at you in hands, counterfeit it is better to check up at once them in bank, - speak in militia. - differently then you should prove, that you are not involved in their manufacturing and propagation.
And while правоохранители will not trace all chain of moving of this money, the person used a forgery, remains suspected ».

 To a word, for manufacturing, storage, purchase, transportation, transfer and propagation of counterfeit money it is possible to please for a bar for the term of from 3 till 7 years.
If false money go to use in especially large size and from supply of group of criminals - that till 12 years of prison.

The dollar is torn upwards?..

On Monday on Mezhbank the tenders on dollar on ТОМ’е have opened quotations 7,9010/7,9095 грн./долл., by 12:00 the prices have grown up to 7,9115/7,9235 грн./долл. To closing the tenders price levels were established on values 7,9210/7,9260 грн./долл.In spite of the fact that in the USA on September, 6th celebrate Day of Work and the tenders on the American currency were possible only валютированием VOLUME, "green" nevertheless has kept an ascending trend. To it it must be added, that гривня on results of the last week девальвировала on 0,3 % to dollar and on 1,2 % to uniform European currency.
That long time has led to falling … Despite of every possible peripetias, the currency market of Ukraine remained "cool", even in hot years months. All this - consequence of "care" of Natsbank. Since March, in the market surplus of currency was observed.
The offer obviously exceeded demand and if the National bank did not redeem surpluses the dollar for a long time would fall off up to a pre-crisis level. But the regulator persistently continued the policy. Only in March НБУ has redeemed currencies for the sum more than 953 million dollars (for March-August the volume has exceeded 5 billion dollars).
As result, гривня became stronger, the truth, it is not essential - in the end of March the rate made 7,92 грн./долл., and in the end of August - 7,88 грн./долл. In fact it is possible to speak about unofficially fixed rate.
In the mean time, last month summer the situation has changed. Surplus of currency began to run low. For August НБУ has redeemed only 125 million dollars, and in July "proceeds" has made more than 816 million dollars And it that the volume of deals in the market these months essentially did not differ.

 Why inflow of currency was reduced … the Reasons for reduction of volume of currency surplus a little.
The first - deterioration of economic positions of exporters. The pre-crisis situation has repeated - the basic export potential of Ukraine is production of metallurgy and chemistry, but for an increase of standard items it is necessary to increase import of power resources, first of all, the Russian natural gas. But in view of its price, all diligence come to naught.
Break off it "vicious circle" export of the foodstuffs could. But the problem with compensation of the VAT has made the given business unprofitable. Small hopes are concerning export of mechanical engineering. But this area requires the settled industrial communications, than our enterprises cannot brag.
The second reason which "brakes" inflow of currency from abroad, - nervousness pending acceptances of the Tax code. Business already shakes from "trusteeship" of authority. All speaks that fiscal pressure will be toughened, and confusion becomes all help that is traditional for Ukraine.
Therefore businessmen do not hasten to return currency from abroad, preferring to store it far away from the family пенат.

 The similar tendency is observed and in the currency market. Long-term time purchase налички exceeds sale. So, on results of its August it is bought almost on 400 million dollars more, than it is sold (in July - on 149 million dollars).
And the volume of purchase has grown also. So, in July the volume of the sold at hand currency has made nearby 1,9 billion dollars, in August - more than 2,1 billion dollars

 The conclusion arises one - business all invests in наличку and безналичку in fear of introduction "долгоожидаемого" tax press more actively. Most likely, falling гривни will proceed.
All depends on a regulator …

Oil resumed its cheaper

On Friday, on Septembers, 3, oil prices a bit went down after two days of growth. On results auctions on the New York commodity exchange (NYMEX) oil of brand of WTI became cheaper on $0,42 - to $74,60 for a barrel (-0,56%). Oil of brand of Brent on the Throgmorton street of ICE went down on $0,26 - to $76,67 for a barrel (-0,34%). Russian Export Blend Crude Oil (REBCO) on NYMEX also became cheaper on $0,26 to $75,28 for a barrel (-0,35%).Futures on oil of brand of Urals on RTS FORTS on the contrary, a bit grew - on $0,30 to $75,78 for a barrel (+0,39%). On the whole last week oil of WTI on NYMEX went down on $0,57 for a barrel, Brent and REBCO rose in price on $0,02, and the futures on oil of Urals on RTS FORTS grew on $1,07.
According to experts, a fall in oil prices was on Friday determined new portion of negative state information by the USA economy - the index of business activity was on Friday published in the sector of services for August which went down to 51,5% (in July - 54,3%). In addition, pressure on a market continue to render the uttery high supplies of oil in the USA (already two weeks they repose on a record from January, 1983 levels).On Wednesday the ministry of energy the USA reported about next growth of supplies of oil in this country - on 3,4 million barrels at small reduction of stocks of petrol (on 200 thousand barrels) and distillates - fuel-oil and fire-box fuel oil (on 700 thousand barrels).
These information as a result outweighed positive information about reduction of unemployment, increase of number of transactions on the purchase-sale of habitation on 5,2% and growth of production index in August to 56,3. In addition, on September, 6 in the USA a holiday is a day of labour which traditionally seasonal reduction of demand follows on petrol.However much a fall in oil prices some restrained weakening of dollar the USA in relation to an euro (it usually results in a nominirovannykh in dollars price increase on goods and services) to the level $1,2898. During a nightly session on Nymex/access oil of WTI continued to fall in price - by 7.15 PM CST it became cheaper on $0,39 to $74,21 for a barrel.

Money for idea

Business doesn't happen without idea. Where to find fruitful idea? If the idea is found – how correctly to count all risks? What methods of search, selection and advancement of business ideas? «Before to find and prove the business idea, it is necessary to realize accurately: that, where, as for whom and under what conditions to make, sell both what are thus assumed risks and results», - Michael Goldberg, conducting a seminar for businessmen in the mayoralty, the general director of the Center of business training "Sphere" has told.

The way to business idea at times happens absolutely unexpected. For example, Olga Saltykova, the director of improving center "Валио", has come to the business idea through own and first unsuccessful experience of treatment of a serious illness – traditional methods didn't help. But it didn't despair, has successfully recovered by means of techniques of east medicine, – then there was a desire to impart experience with other people. So there was center "Валио"..
The father and the son, owners of the small enterprise, have come to the business idea through love to rest on own summer residence. Having understood that furnaces and fireplaces will be always demanded among summer residents, they used advantages of the of "territorial affinity» to potential clients. That is it is not necessary to go, do the order in one of city firms if nearby well familiar neighbors perfectly put furnaces and fireplaces. Advertizing in a format «сарафанного radio» has led to that works at stove-makers-summer residents will suffice for many years
There is also a set of other stories of the basis of small and average business through personal experience. For example, one married couple terribly liked to travel and has traveled all over almost all planet under tours. Having studied on a private experience all pluses and minuses of tourist business, spouses have opened the business.

Many find business ideas by means of the Internet, read specialized magazines. In magazines «firm Secret», "Company", "Business magazine", «Business quarter» etc. is the whole headings devoted to various business ideas. Supervision over successful firms won't prevent also
One of participants of a seminar admitted that annually holds competition on the best business idea among the employees. Another arranges «brain storms» together with the employees when already existing business needs updating or development of a new direction. The third constantly spends polls among the clients on a theme of quality of their service.

One of most are difficult ways – business idea search through innovations, scientific operating time of research institutes and high schools.
However it is one of most затратных ways as serious investments demand enough and it is subject to high degree of risks. It is one of versions of venture business.

At a seminar has sounded (truth, completely not indisputable statement) that in Novosibirsk the niche of salons-hairdressing salons is settled for a long time, to what numerous announcements of their sales testify. That is the business idea of own salon so popular in the beginning – the middle of 90th years of has settled. Here the factor of force and demand capacity is just important.

In small-scale business the business should be begun only in the presence of strong demand. Other variants aren't present. Form demand large firms can only.
One of new tendencies – development by the small and average enterprises business of space outside of Novosibirsk. A typical example: about two years ago one of the inhabitants of area first requirement for plastic windows small dealers of manufacturers of windows have felt. Plastic windows inserted even into wooden houses. Later in area large firms were pulled also, up to placing of branches of manufacture in settlements where lives 30 – 40 thousand persons.
Besides search of the business idea, the most important problem is the correct estimation of forthcoming risks. Risks depend on set of the reasons, but for Russia general-political risks are characteristic. Unfortunately, not always it is possible to provide all plans of the government, the states concerning economic policy.

From exotic stories of risks at a seminar the example of one of the Altay firms, delivering дикоросы to France has been resulted. When last year in Paris pogroms have begun, many restaurants that was negatively reflected in purchases Altay дикоросов there were closed. It is not necessary to forget, of course, and about risks of change of economy in universal scale.
And still one of the main reasons still has ordinary human fear: people are afraid to open the business. If in Novosibirsk business with small and average business more or less develop, on village of such dynamics isn't present. In particular "Rosselhozbank", according to the governmental program, very much wishes to give credits for support to rural commodity producers. However the last don't hasten to use the given help, have no desire to be registered as legal bodies because of fear to burn through.