Credit vacation

The quantity of the people getting on credit the goods of daily demand or real estate, motor transport, is great enough. After all it is far not everyone presumes to make to itself a single investment of the large sum of money. Thus among borrowers it is a lot of those who isn't capable to estimate correctly the possibilities, as a result these citizens become debtors of bank. And the situation with world financial crisis only has aggravated conditions, having added to numbers of defaulters of the dismissed citizens. In such situation to hide and only to accumulate a debt – not the best exit. There are more comprehensible decisions, on it and speech in given article on MirSovetov will go.
Absence of money for credit payment – yet crash
Absence of money for credit payment – yet crash If you have lost a source of incomes in connection with dismissal, reduction or for any reasons, thus on hands not extinguished credit contract, it is not necessary to panic. Here it is possible to carry cases in which to citizens, in connection with crisis don't make (detain) payment of a salary or in any way have reduced it. To hide from bank – not is the correct scheme of actions. Such behavior only will aggravate your position. First, you will bring in base of unreliable clients. Secondly, the amount of debt will grow in a geometrical progression because of penal sanctions which also it will be necessary to pay. And thirdly, fairly потрепите to itself nervous system at first at reception of precautionary letters, and then at dialogue with workers of security service of bank which have seen enough and had heard plenty of different stories from different categories of citizens so much that has made their a little indifferent to such "problems".
So to do?! To take the documents confirming a current situation (that is the work record card with a mark about dismissal, probably, the inquiry from accounts department about a delay of the salary or its fall) and to go to bank to the head of credit department. Initially, probably, you talk to the expert. Easy, without emotions explain the situation and state the offer concerning new conditions on the loan agreement. After the coordination of new conditions write the application on granting of credit vacation (a payment delay). Believe, it is much more favourable to bank to go to you on a meeting, than to leave in debtors.
What sort of change can bring in the contract
The contract For the people who have got to a difficult reality situation, that is in such position when it is not enough incomes for credit repayment, the law provides possibility of granting of credit vacation or, in another way, a payment delay. At once I will clear up that the given possibility is "right" both for bank, and for the client, it therefore is given or on in advance stipulated point in the credit contract, or under the mutual decision of the parties. By the way, this category of citizens can concern not only the people who have lost the income, but also the got in extreme or unforeseen circumstances, for example, a fire, a birth of the child, necessity to replace a residence and other.
The given delay can be given in several variants.

Full recalculation of payments under the credit, body redistribution (the basic sum) the credit so that the maximum payments remained on the termination or the middle of term of payment.
    Recalculation of percent on the credit. Rate decrease on the near future at the expense of its increase by the end of term of the credit.
    Increase in term of the credit at former conditions to lower monthly payments.
    Suspension of charge of a fine or the penalty for non-payment of the next payments.
    Suspension of charge of percent on the credit with the obligation to pay a credit body.
    Recrediting. Delivery of the new credit on account of repayment previous on the terms of corresponding to present position of the borrower.



Fate of credit vacation
Term of credit vacation All terms of granting of delays on payments in any variants are the right of banks and strictly legislatively aren't regulated. They are established under the arrangement between the borrower and the creditor in the form of the additional agreement to the credit contract or the contract completely is renewed that also is coordinated by the parties and the variant most comprehensible to both parties gets out.
At present time banks granting of delays for from 1 till 12 months practises. Address for a payment delay citizens who had earlier no debts on payment of payments can, and financial difficulties are time. It will be necessary to explain to bank that you actively are engaged in job search and if it is possible, to name variants which at you in the long term, and also actions in case employment will be tightened without day. The quantity of references is limited to an once within a year. That is, if the credit contract is concluded for a period of 25 years it is conditionally possible to address 25 times with a question of a delay of payment. I speak "conditionally" because hardly creditors will believe that at you exactly once a year arises unforeseen circumstances when you lose possibility to pay the credit.
Delay granting on payment to each borrower is applied individually. All factors which influence level of its incomes and expenses are thus considered. The social status, marital status, quantity of children (dependents), the cumulative income of a family, presence of additional sources of the income, possibility of granting of pledge can concern them under credit payment (if it hasn't been provided at once at the contract conclusion). Also the credit history of the borrower and its guarantors has great value, don't forget that if the borrower regularly evades from credit obligations, the bank has the right to address in court with the request to collect the given out credit from guarantors. As already made a reservation earlier, in the presence of unreasonable debts the bank less willingly gives credit vacation.
Not all credit contracts provide possibility to take credit vacation. In this case, it will be necessary to insist on your right to reconsider the treaty provision and to renew it, or to make the additional agreement. In a case if the bank (its employees) will refuse to meet, you have a just cause to address in court with the request to oblige bank to renew the credit contract on softer conditions. But for that proof that the bank has refused consideration of new treaty provisions, it will be necessary for you to take from them written refusal. It is possible to give also witnesses who will confirm your reference in bank. At doubts can borrow somewhere a dictophone and write down all process of negotiations.
These are actions on «an extreme case», but banks quite understand a financial position of citizens and prefer the peace decision of such situations. By the way, the Savings bank of the Russian Federation has brought up a question on working out of additional rules of granting of credit vacation to exclude mass debts under credits in crisis.
How many there is a delay
Certainly, the payment delay anyhow increases a debt total sum under the credit for the borrower. But, in comparison with fine charge, it nevertheless much more low. Which variant of a delay of payment will be comprehensible to you, it is necessary to solve independently.
МирСоветов will disassemble possible variants to demonstrate, at the expense of what there is an increase in cost of the credit.

At carrying over of a great bulk of the credit for more distant terms of payment, it is necessary to remember that percent are charged on the credit REST, thus, it turns out that the overpayment sum will increase for the account большей the sums on payment of percent. The more a credit body, the more sum put for payment as percent.
At interest rate decrease in a certain interval of time at the expense of its increase in the future the missed benefit of bank time, most likely, will be considered at present and it will put at calculation of the raised rate.
The increase in term of the credit will reduce monthly payments and will make their less powerful, but additional some years will increase also the additional sum on percent. So, if you should conditionally under the credit in 100 000 roubles pay 15 % annually that 15 000 roubles for each added year to installments it is necessary to add this sum are approximately equal. Accordingly, if the sum of a loan of 1 000 000 roubles also percent will be already on 150 000 roubles a year.

At a delay of a salary or at change of a place of work that is when there is already concrete data on the future source of the income, but for this period reduction of the income is expected and the small interval of time is required it is possible to ask a delay on payments and percent, that is in general to pay nothing. In this case it is possible for 1 month to carry term of payment of percent and a credit body provided that after the stipulated term they will be completely extinguished by one payment. It is natural that to agree about it it is necessary with the creditor beforehand. To address for such delay to bank it is possible no more than 3 times for all period of validity of a loan.
To stop charge of percent on the credit, but to continue to pay a credit body, in my opinion, more favourably as repayment of a body of the credit leads to decrease in a total sum of percent on a loan. But don't forget that through a target date, all percent on initial calculation it is required to pay in full. Banks can give this variant of a delay only at very difficult situations in life when the creditor will be on the verge of bankruptcy. And in aggregate all circumstances the bank will lose less, having softened conditions, than to address for collecting of debts through court.

Reception of the new credit instead of old also is possible at cardinal changes in life of the client, for example, new work with lower payment. Occurrence of additional expenses, for example, with the advent of the additional dependents which maintenance depends on the borrower. In this case the bank gives out the new credit, in size sufficient for repayment of a body and percent on the closed credit, new conditions and terms which will be comprehensible to the borrower according to its financial position thus pay off. For use of this scheme, it is necessary to familiarize attentively with conditions of preschedule repayment of the credit as some contracts provide penal sanctions (or in general absence of possibility of preschedule payment). For example, payment of percent for all calendar year in which the credit is closed, that is if you completely repay the credit in the beginning of year, we will admit in March for the remained 9 months of this year you, all the same, are obliged to pay percent.

Work on the Internet

The site is naturally devoted such remarkable concept as "work on the Internet". On its creation I was induced by an amusing situation from my point of view - more or less adequate resources devoted to this question simply aren't present. At least to me didn't come across. Especially when I began only the way in this field.

But came across weight of heresy of type "give рупь receive two", any texts to translate, preliminary having paid the employer, mad the Internet business projects which besides wanted money and promised gold mountains - in general a gloom pitch. However I searched - and I have found.

Eventually the earnings Internet has understood almost in all ways, has chosen most приемлимое for itself employment - however the beginning of the career still I remember. The such sea of is mad-idiotic offers and almost a zero a little even not authentic - and simply responsible information.

Actually that expects you on this site. Here I have broken and structured ways of earnings in the Internet. Two big groups - are a site and there is no site - and subgroups in each of them. I will not tell that the listed points full cover all industry the business Internet - but these points cover in what personally I have taken a hand. To the majority of these things I have till now some касательство and I receive from it any money.
At least with confidence I can tell that money is in all listed. It is necessary to understand simply one simple thing - work on the Internet is not a freebie, not magic, not a lottery. Here, on the Internet, it is necessary to earn. Not to receive, not to win - to earn. And at first it is necessary to plow for not so big money - on authority and reputation. And when they will come, this money - not to lose reputation. That, by the way, it is easy enough - and the Internet, at all anonymity, a piece rather transparent.

And people who know as well as where to earn on the Internet, and especially which in it earn, and especially have something that business on the Internet "gets under a category" - they in general hang out in more or less constant dwellings, and at certain level each other know. And кидалы and swindlers become known for all very quickly. For all are interested. Therefore by the way in the beginning and it is difficult - any beginner potentially "regenerated" swindler. :)
I won't open here any secrets - and there are no they, other secrets. Т.е certain "secrets of successful work on the Internet" or there ". дцати ways to make business on the Internet from zero" simply don't exist in the nature. In general. And on this site they too aren't present that is quite natural. On this site I will prompt directions, good places, I will give some advice. To other good places of ladies of the description or the characteristic. Somewhere I will probably give advice to be very careful with participation for it is better not to get than then strongly to be upset - after all some people and on "МММ" have won, in time having come off.

If you have seriously decided to attend to earning money, and an earning of this money on the Internet - you all it will find in due course and learn - simply by means of this site will make it hardly faster. And, probably, don't do errors of beginners, having taken into consideration some councils.
Good luck in affairs. :)

Z.Y.ha at the same time to mark if there was something new. Date of the last update of materials will be present now from above and to have bright red color. :). The updated sections will be marked with such badge:!

З.З.Ы. Still the moment. To me for some reason angry letters about that regularly come that the pier has looked at a site - one water and how to earn on the Internet мильен is told nothing. Starting with logic of last note, I write once again: here advice is given how to earn on the Internet, recommendations of that it is not necessary to do also some places where it is possible to be engaged in this or that activity.
Here magic books from a series "how to earn on the Internet мильен dollars for three days" aren't on sale. Here there are no magic references, on pressing on which on a head of the pressed the shower of gold вебманей will pour out. If you want much бабла at once - I can recommend IT If want to make approximate representation that there is a work on the Internet, what kinds of Internet earnings in general happen, with what to begin, and from what it is not necessary, where as as in general - read materials, on the whole it is my personal experience.

Tax specialists have reported about decrease in quantity of billionaires in Russia

In 2010 the quantity of the Russians who have declared incomes for the sum of more billion of roubles, has made 414 persons that at once on 241 persons it is less, than two years ago. Such statistics is resulted in number from March, 18th by the newspaper "Kommersant", referring to the official data of Federal tax service.
On March, 16th the assistant to head ФНС Svetlana Andrjushchenko informed that declarations have been submitted to service from 385 billionaires. With what so essential difference in figures is connected, in the publication of "Businessman" isn't specified.


Anyhow, but the quantity of billionaires decreases two years on end. Following the results of 2008 in Russia there were 655 rouble billionaires, and following the results of 2009 - only 493.

In ФНС connect reduction of number of billionaires not that rich Russians become poorer, and that in Russia necessity of the declaration of incomes of sale of the property which was in the property more of three years has been cancelled.

In Russia individual businessmen, private notaries and lawyers, the heads of farms working under the patent foreigners and those Russians who receive the basic income not on the work are obliged to hand over declarations on the incomes.

Thus, in a reality in Russia can be much more billionaires, simply not all of them should declare the incomes. According to magazine Forbes, in Russia lives 101 persons which condition exceeds billion dollars.

"The big seven" for the first time for a decade of the beginning of intervention in the market of currencies

Ministers of Finance and heads of Central Banks "Big seven" during telephone negotiations in the night from 17 for March, 18th have made the decision on the beginning of currency interventions in the market for restraint of a course of yen. On it informs Agence France Presse. The Globe and Mail adds that "the Big seven" didn't spend currency interventions of more decade.

Operation "Big seven" has already led to that the yen course in the world market has started to fall. If on March, 17th for one dollar gave 76,25 yens (this course became for yen a historical record), on March, 18th - already 81 yen.
Besides, the decision "Big seven" has affected the share market. Morning session in the Japanese market was closed by increase of index Nikkei for 2,72 percent.

The basic efforts of the monetary authorities will be directed on pair yen/dollar, however in Japan don't exclude that the European Central Bank the yen/euro can perform operations and on steam. In Japan interventions have begun in 9 mornings local time, in as much on the local markets there is an European Central Bank and Federal reserve service of the USA. Volumes of interventions aren't specified yet.
The yen began to rise in price promptly after earthquake in Japan, occurred on March, 11th. Investors believe that Japanese businessmen will take away money from the foreign actives and to direct them to the country for restoration of local economy. As a result demand for yens can sharply increase.
 Expensive yen can prevent to restore economy of Japan as she prevents to get to exporters additional profit. Because of it the Bank of Japan for current week already has thrown on the market of 34 trillion yens (more than 400 billion dollars).

"The big seven" besides Japan includes the USA, Canada, Great Britain, Germany, France and Italy.

Deutsche Bank has estimated interventions against yen in half-trillion dollars

The total volume of currency interventions in the market for restraint of a course of yen will make not less than 500 billion dollars. Such estimation of a distance in Deutsche Bank, informs Bloomberg. Thus, by estimations of analysts Deutsche Bank, currency interventions can increase a state debt of Japan approximately by ten percent of gross national product.
Now level of a state debt of Japan comes nearer to a mark in 200 percent of gross national product that is the maximum indicator among all countries. Because of high level of a state debt in the end of January agency Standard and Poor's for the first time since 2002 has lowered a long-term sovereign credit rating of Japan with "AA" to "Aa-".

On March, 18th the countries "Big seven" which except Japan, includes the USA, Canada, Great Britain, Germany, France and Italy, have decided to begin currency interventions for decrease in a course of yen. To such measure of country G7 have resorted for the first time for a decade. After that the yen course has started to fall and has receded from the historical maximum established on March, 17th when for 1 dollar gave 76,25 yens. Now the dollar bargains around 81 yens.


The Japanese yen exchange rate has started to rise after earthquake and tsunami which have occurred in Japan on March, 11th. To buy up yens there have begun the investors expecting that the Japanese companies will be перенаправлять means from the foreign actives on restoration of local economy. For maintenance of stability of the Japanese credit organizations the Bank of Japan from the beginning of week had to pour in in a financial system of the country of 34 trillion yens (more than 400 billion dollars).

FOREX - THE INTERNATIONAL CURRENCY MARKET

Market FOREX – rules for beginners


Having decided to enter the world Forex it is necessary to remember one – it is necessary to operate extremely carefully. So, here some rules, for those who has dared:

1. The main thing in the market is to understand that your prize doesn't depend only on luck, it is very important to study a theoretical component. For this purpose it is possible to see video-courses for beginners in the market Forex or to visit seminars, and to estimate forthcoming activity in the currency market.
2. We will admit, you have passed a course and have broken to trade in the market. Studying of following questions will be the following your action: «What to choose currency pair? What to choose a time interval? Most densely it is necessary to work with currency pair. It is necessary to study history, to carry out the analysis of the chosen pair, to exclude all possible troubles.

3. Separately study, as indicators work. For beginners easier tools approach: histogram MACD, sliding averages, стохастик, RSI. From alarm it is possible to choose Momentum. As there are psychological indicators, for example a volume indicator.

4. Learn to make decisions independently, to be responsible so you can understand, whether correctly you trade.

5. It is much more important to analyse the reasons of failures, rather than the reasons of victories. Having understood the error you will learn from it a lesson and more it don't repeat.
Remember that the unprofitable position not to be corrected and the price won't go upwards. In due time get rid of unprofitable positions.
6. The trading system is a competitive advantage among traders. It is necessary to create and use the system tested on the historical data, showing positive results. The system should be simple and functional.

7. A secret of success in psychological stability. Greed and fear – the main enemies for you.
8. Risk in the market Forex – business noble. Not to risk, means not to play. Despite it the risk necessarily should be proved. Follow three elementary rules:
- Don't risk more than 50 % of the capital;
- Don't put more than 15 % of means in one market;
- The norm of risk недолжна to exceed 5 %.
9. Be in earnest about trade in the market Forex. The main task to become the pro and to learn to trade correctly, instead of at once to double or treble the account.

10. Operate the account cyclically. Increase the size of a position in opportunities and on the contrary. The success of many traders consists in it.