The Art of Making Money

The art of making money boils down to the art to obtain a net profit. Major success - it is the result of a long process of creativity and adaptation to the changing tastes of consumers. Businessman must always be aware of what is happening around. The principle of personal material incentive has not been canceled, so the question "how to make money?" It remains the main. So, in order. 1. Every person engaged in or planning to engage in business, I have to ask yourself: what advantages I possess and what benefits I can get in front of other people? What is indisputable my strong qualities? Every business should have a horse. He must either produce unusual things, or to make ordinary things in a new way. Most people who start a business, imitate their competitors. They are aimed at uniformity, they want to be "normal", afraid to experiment. And this is their fault. The fact is that even undistinguished person can make an outstanding business - but only if learns the importance of giving benefits to the business. Business must be smart, have distinctive features. Otherwise, it will languish or simply not competitive. 2. In the business world as well as in nature, survival of the fittest. Almost every major business was small at first. But always he initially had a number of advantages. Business continues to grow as long as develops and uses its advantages. You never need to consider your business as something complete, perfect. If a businessman believes he has fulfilled his mission, and it was the turn of consumers to provide him a steady income - is the first step to the forthcoming collapse and bankruptcy. There can be no limit to the development and expansion of business. Think of the thousands of ideas and efforts that led to the creation of powerful companies that are leaders in their fields! Each improvement - this advantage. The main task - to build their own advantages. It is necessary to ensure the best use of all of their assets - money, goods, property, knowledge and experience. This is the correct position in life of everyone who is going to open or have started their own businesses. 3. No one will undertake to tailor to sew a suit of two meters of material. Nevertheless, a lot of people take up business, much superior to the size of their capital. You can not make a ton of business from one kilogram of capital. What is the main psychological mistake inexperienced person? It is guided by a common misconception that the larger the business, the greater the profit. But first, the main thing is not profitable, and reliability. Each new venture - is an experiment, and unwise to risk a lot of money, yet there is no indication that it will be successful. Dimensions required start-up capital depend on the type of business. They depend on how quickly the goods are sold. The owner of the grocery store, for example, needs capital, three times smaller than the ironmonger. Man with small capital has to weigh the "pros" and "cons" before agreeing to the fact that at first seems like a very good deal. For example, it can offer to open a branch, luring low-rent for the premises. He should not accept this proposal, if it has no capital, at least twice exceeding that required for the maintenance of a branch, subsidiary. In this case again, there is a saying: "Do not bite off more than what you can eat." 4. It should be borne in mind that the most pernicious trade is overstocked, discontinued when the movement of capital. It is necessary for a small capital to buy only what can be sold in a very short time, depending on the type of product. This is one of the most effective ways to prevent financial difficulties. Otherwise, you'll just be doomed to arrange the sale of surpluses at prices below cost, dooming themselves at a loss. And God forbid, if your capital will sustain that. 5. It should be borne in mind that, whatever the business environment at the moment, they are never permanent. Causes of booms and depressions are very real and are of a financial nature. The main thing to remember - neither booms nor depression do not last forever. Boom generates overproduction, which, in turn, causes depression. A depression creates a shortage of goods, which is booming. Therefore, during the boom to prepare for the depression and during the depression - to the boom. During the Depression, when low prices, the most wise policy is to invest capital. The new buildings and equipment during the boom are much more expensive than during the depression. Therefore, the boom - time sales, and depression - time for shopping. This rule is not very easy to follow, but it brings a large income. During the boom, the firm should not increase their debt and reserves, and during the depression - to improve its organization, train personnel, upgrade equipment, develop plans to implement in the future when the situation improves. 6. A person with limited capital to start a business, can be forced to use makeshift or old equipment. But, as soon as possible, he must purchase the equipment, because it is profitable. Not everyone understands this. Sometimes even large firms that have reserves, leave money lying in the bank, but purchased with the money of equipment would increase profits by 30%. The real truth is exactly what equipment is worth nothing, as quickly pays for itself, and then begins to increase profits. Development with outdated or worn-out equipment - this is not the economy, and the extra costs and losses for the company. 7. Recruitment is like art, which gives the huge benefit. There are several tests to judge about these or other qualities of the candidates for certain positions. However, there is no absolute method for determining the best employees. And it's unfortunate, because we can assume statistically established that 10% of employees work in full force, 30% use three-quarters of its capacity, 30% of its capacity is used by half, 30% are laid out around two-fifths. The average use of their opportunities in the work is only 60%. Therefore, 40% of workers do not use opportunities. If an employer seriously ponder over this fact, his time has passed. How to make so that the efficiency of the employees as close to 100%? There are at least three measures of exposure, which are sufficiently effective. It will focus on the following factors: Personal attention. If an employee is paid no more attention than a car, it serves, he does not feel the moral incentive to work. But if it is treated as a person, then it will work like a man. If you have your friendly attitude and attention to it will strengthen his self-esteem, it will work best. Training. As a rule, a loafer is the workers who are not taught to work properly. Lack of knowledge and skills will lead to dissatisfaction with the results of the work, and it will not be interested in it. However, if an employee to special knowledge, it will work as an expert in their field, and not as a "workhorse." Education should conduct a qualified technician. Stimulation. This refers to all kinds of rewards - praise, bonus, salary. Almost every employee will work according to their abilities in the event that it is celebrated, praised, and he gets a reward for his effort to do everything as best as possible, faster and better. 8. No hardware upgrades and capital reserves do not provide the reliability of the company that ignores the way to it are its employees and outsiders. Not only business should be attractive, himself its owner must be a person worthy of a good attitude. The positive reputation of an expensive cost. The fact that every businessman involved "competition for popularity." Against him stand all the competitors. Decisions are taken by consumers. And it must be clearly aware of this. Any business to fit a consumer. For him, business should be safe and enjoyable. Special studies should be conducted to determine consumer demand. This is very important because, as you know, customers come only for the product that they need. 9. One of the main rule is that you first need to put the matter right, and then make it widely known. If the goods and services offered will not make a favorable impression on consumers, the advertising of them - a waste of time and money. In a time like ours, it is obligatory advertising, but it is not the first thing that needs to be done. The first - to make sure that your business deserves advertising. There is an old saying: "Good products sell themselves." The truth is that the sale of a new subject requires the same amount of capacity and costs, as its production. Almost every new invention or the public service saying "no" as long as the marketing and advertising is not persuaded her to say "yes." For business effective advertising is the same as that of iodine for the human body. This element, which has a healing effect. Without advertising business stop in its development. There will be no massive sales or mass production. 10. Such things as auto business and the eternal engine business does not exist. Movement in business should always be maintained. Promote your business to the public, and the public - to their products, to their business. Most people only do what they are pushing, few people are driven by their own motives. People need to be pushed, educate, persuade. Do people buy what need? No, do not buy. They buy what has become habitual, and almost every new thing, no matter how useful it may be, should be imposed on them first. It should make it a rule that business should start with the end - with the marketing plan. This applies to the industrialists, traders, farmers, producers of services. It is not enough to produce and store the goods. It is necessary to generate a market for them. The fate of the success depends entirely on the market. Many operating companies provide only half of the possible profit, since their thoughts Directors focused on production, not on sales. They have extensive knowledge of materials and production. They skillfully manage workers. But they do not know the art of formation of the market, and they do not appreciate the true importance of marketing, do not see, that he is the hope and support organization. 11. One could say that a person's career begins when he finds a sense of time - begins to try to use it more effectively. Business axiom is that "time consumption increases costs." The more time it takes to manufacture an object, the more expensive it is. No wonder there are such values ​​as the cost of man-hours and machine-hours. Again, if a trader holds a goods a year, and then sells it, he ended by receiving less profit than it would have sold it for a week. If the company has 5 thousand. Employees, and if each of them will lose one minute, it will mean the loss of more than 10 eight-hour days. People who are always late, have no place in the business world. They cause trouble to themselves and others. As a result, they are considered unreliable. Punctual payment of debts or the fulfillment of the obligations on deliveries - basic things in business life. We need to keep our word to have a good name in the business and financing activities. It assigns you a stamp of reliability. Success comes to those who start their own business time. On many of the losers it has been said: "He was too late." Time - is the money of the human life, genuine human capital. 12. The most revolutionary and profitable thing in the business world - an effective method of operation. The principle of efficiency helps us find the best way of doing our work. In any business, small or large, unique little. There is no business that would be entirely unique. Even in the industrial business, 80% conventional and only 20% - specific. Transport, storage, power supplies, function workers, clerical work, marketing, employee management, etc. -.. All of this is common to all companies. Therefore, the use of standard principles of efficient organization of the work of these 80% can bring significant benefits. Efficacy Study generates, following behind him Thinking and Action. Such a formula: E = D + D + D - very easy to remember. That is what we call efficiency, is a collection of facts, figures, ideas and techniques that have proven successful in increasing sales, production and profits. Efficacy is based entirely on what happens in practice. A more useful knowledge does not exist. The results of the methods of increasing the efficiency of almost unbelievable. 13. For people who all know a little bit and nothing really very modest place reserved in the business. But a comprehensive knowledge is unattainable. It is necessary to focus on their field and possess the knowledge necessary for it. But you need to learn from the leaders. Because success is rare in business that most business people can not bring themselves to study or consider it unnecessary. But you can be sure that it is those who are now learning to become the head of our trade and industry in a few years. If the businessman believes that it's hard work, if he comes home at night exhausted, it is usually a sign that it lacks the knowledge or skills. This indicates that he needs to learn a little. Efficiency implies that there is always a way to get the job done well, quickly and easily. And there is always a person, a book or a course of study that can provide the necessary knowledge and learn how to effectively and with the least difficulty to perform the work. 14. Many people are sitting on their business as chicken eggs. If it were possible, they would bring their business back home and hid under the bed for the night. This error occurs from excessive effort. Businesses do not need to sit, it is necessary to organize. If a person is trying to be indispensable, and it is bad for him, and for his business. Anyone who does not teach his subordinates to do without it, lacking as a business builder. If almost all the time a person pays control, it neglects the creative work, which enables the development of its business. For what the employer pays its employees a salary? In order to get rid of part of the work and responsibilities. He should do only what the owner should do business, to be at the top, not the bottom or in the middle. It must, as far as possible, to ensure the effectiveness of actions of subordinates and their confidence in their abilities. Not profitable to pay wages to employees who are no more than boys for instructions. If an employer can leave with peace of mind your business, going on a trip round the world, it proves that he is a good organizer. What should be avoided in the business - a concentration of power. It destroyed many nations, and no one knows how many thousands of companies. There is nothing worse than the dictatorship. Knowledge can not replace government. Some people with low levels of preference for such qualities of his subordinates as servility and blind obedience. They put a peg higher profits and eventually find themselves in a country of fools Nobody tells them the truth. Usually in such company produced its conspiratorial methods to deceive these people. Another scourge of the business - centralization, which is also closely linked to the concentration of power. It was felt that the larger the company, the smaller the proportion of costs and losses. It creates huge company. It was an era of integration. And it has gone so far that, for example, store manager of the group could not buy pencils without the permission of the central office. Result - financial collapse and sale of competitor stores. Even Henry Ford initially fall for it, but then revised his view. According to him, the share of small businesses costs within its empire, no more than the large factories, and the control system has become much more flexible. So the future is not the concentration and decentralization of power. 15. Every businessman should remember that all business depends on the net income. With its disappearance, and the whole business collapses. If you cancel the fight for profit, will the struggle for existence. And Russia, with its excessive taxation knows this and is looking for ways to return to a system of net profit. Normal net profit for the midmarket, according to experts, is 14%. Whoever gets less of his business underpaid.

What Future for Offshore Cyprus

In recent months, the theme of the Cyprus crisis continues to hold on the attention of the world community. News coming almost daily, and thousands of businessmen, politicians and economists are trying to predict - what will happen next? Declare whether the Republic of Cyprus to default, or safely out of the storm of the financial crisis? Does Cyprus have lost the reputation of a quiet tax haven, and gradually regain its position? Where you can now safely store their money? Authorities and experts have expressed opinions that sometimes polar opposites. And this is another confirmation that the economy of each country - is extremely fragile, even if superficially it looks quite stable. In early April, the Cypriot authorities finally agreed with the troika of creditors (which consists of the European Central Bank, the International Monetary Fund and the Eurogroup) on a loan in the amount of 10 billion euros. Although the funds allocated loudly called "financial support", the interest rate leads to doubt - 2.5% per annum - this is quite a high rate for Europe. However, Cyprus, these funds are necessary as air. Financial assistance is provided to the island for a period of 22 years and may be a deferred payment of up to 10 years. The credit line is provided on the condition that in the next few years, the economy of Cyprus will demonstrate the positive changes - in 2017 - 2018 the budget surplus should be at least 4% of GDP. So, in other words, is to "get a plus" in the economy of Cyprus has no more than five years. To reach these peaks Cyprus plans by severe savings in social benefits, health reform and pension reform, as well as the development of promising sectors of the economy. In particular, like to increase revenue from tourism, and possibly gas - not so long ago on the island of gas fields have been discovered. Not least is given, and banking reform. Foreign branches largest Cypriot banks - Laiki Bank and Bank of Cyprus - will be sold, and the banks themselves will be restructuring. Deposits, which holds more than 100 thousand euros, is planned to cut - and according to experts, investors may lose up to 40 to 80% of their funds. Unfortunately, the Government of Cyprus had to resort to a very unpopular measures to save the island's economy. In limbo appeared and Cypriot offshore. The big question today - where the money will go to Cyprus? The largest outflow observed in the Latvian banks - this is indirectly confirmed by the fact that the major Latvian banks sharply raised rates for service accounts. At the same time traders are in no hurry to part with Cypriot companies as such - too many economic benefits bears the Agreement for the avoidance of double taxation concluded between Russia and Cyprus. Therefore, until the case is mainly limited to opening bank accounts in other countries, and the translation of cash flow in a new direction.

Which Is Better: The Internet Bank Or Going To The Office?

A few years ago to purchase in the online store for most Ukrainians looked something wondrous and incomprehensible. But today the remote trading for most is a familiar kind of shopping. It is convenient and in most cases beneficial. At the same time to the Bank via the Internet "go" not more than 5 % of clients traditional financial institutions. According to experts, the rapid growth of interest in Internet banking requires that the degree of Internet penetration in the mass has reached a certain level. Ukraine this limit is almost reached. Today, the Internet is the vast majority of active in the financial plan of the population. Therefore, the surge in popularity of the Internet Bank not far off. Progress is inevitable Today the opportunity to be served through a web browser provide about 50 Ukrainian banks. According to surveys conducted by Gfk Ukraine, is the largest company in Ukraine marketing and social research - in the second quarter of 2012 the most popular service of the Internet-banking in Ukraine was recognized as Privat24. Services system Privat24 chose 77 % of Internet users, 20 % chose Raiffeisen Bank Aval, 13% of First Ukrainian international Bank, a 10% Alfa-Bank, 6 % - Delta Bank. The most popular operations: checking account balance transfer of funds between own accounts payment of housing and communal services payments in repayment of loans In addition to these operations through the Internet banking can be used to implement a variety of functions: to make transfers to other banking institutions of Ukraine and abroad to receive account statements that very convenient for household accounting to pay the bills, communication services, tickets, etc. create regular payments, which will be performed automatically at a certain time enjoy banking services (credit, change of limits) to place funds on Deposit And all this without going to the Bank. As they say, without getting off the couch. By the way, the system Privat24 not accidentally leads by a huge margin. The list of operations that you can perform using this web service can be used as a role model. Many banks do not offer small fraction of what is possible to accomplish by means of the service Privat24. The distrust of the population to access the Internet banking can be explained except that the retardation of thinking. In Ukraine still prefer to pay with cash, despite the fact that payments by credit card is more convenient, safer and cheaper. Many workers receiving a salary card, immediately removed and stored in a "table". What can we say about the retirees and other older generation. However, positive changes are INEVITABLE. It is enough to compare what the gimmick was considered mobile phones ten years ago, and the current universal telephone. Or take payment terminals. Today it is a normal thing. And when they started, people stubbornly stood in line at the points of reception of payments to top up their mobile phone account. In Internet banking the most difficult thing is to start. Moreover, the complexity of these purely psychological. Once successfully accomplished, for example, payment of utility bills, time for the next trip at the point of reception of payments, you will never find. To good quickly. Sweetie - advanced In seeking to attract Internet customers banks offer a number of privileges: special Deposit programs, higher rates on deposits placed via the Internet, transfer to accounts in other banks in 2-3 times lower than traditional translation in the Department. Through the Internet, the client is actively operates. Not many will run to the Bank to place on Deposit in excess of 1000 UAH., even though the money necessary to postpone the achievement of the goals. And if this just a few clicks - it is even possible. As practice shows, the average Deposit amount of users of Internet banking less than traditional customers. But this is not evidence of their poverty. They do not need to wait to accumulate a substantial sum in order not to regret the time spent on going to the Bank, which takes half a day. Internet users are more willing to replenish accounts because at any time have control over them: you can see the rest, to make any payment. Banks that have a good Internet Bank, actively attract physical violence. Of particular interest is the security of transactions conducted through the Internet. For the protection of personal data banks use: digital signature cryptographic algorithms for encryption of data channels and information one-time password generation algorithm which is based on random numbers sms-notification of transactions One-time passwords are generated using a special token trinkets. The password has a limited duration in seconds or minutes. The Bank may send the password to the mobile phone client. In addition, use the virtual keyboard to prevent the reading of information by computer viruses. Often limited to the duration of the session. To resume, the client must authenticate again. All these warnings do work over the Internet sufficiently protected. In short, Internet banking is preferred by those who are accustomed to speed, who likes to do several things at the same time, who doesn't want to put off until tomorrow what you can do today and understands that for greater security, you only have to eat a piece of paper with the password. Coffee lovers ceremonies With all the convenience of Internet banking, traditional banks will not disappear. There will always be customers for the ceremony. They like to visit the solid building of marble and glass, to contemplate the well-dressed well-trained staff are slow to communicate, choosing a acceptable banking product, drink coffee and feel great. Even in the absence of time, this category of people does not give pleasure to visit the Bank. Even if such an opportunity is not often. Many bankers believe that the development of Internet banking will not lead to a significant reduction of branches of financial institutions. Banks are interested in serious repeat customers, which is aimed at long-term cooperation, prefer live communication, count on an individual approach. According to them, the online segment is developing rapidly, but still has its ceiling, which is 25-30 % and not more. Banks are completely gone because with the introduction of online services though is the cost savings of switching to self-service, these means are not so much released, how much is redistributed to the other channel. The Bank has to maintain the uninterrupted operation of the system, to guarantee security, to pay for licenses, software, technical means of protection (OTP-tokens, USB tokens). Most likely, there will be a division of functions. This simple operation will be carried out by users through the Internet. And banks will turn to counselling centres, helping to choose the best banking products.

Special programs stimulate the growth of the market of car loans

In our time, the system of car loans has become increasingly popular among Russian consumers. According to statistics, the amount of the credit market is increasing every year nearly doubled. If these growth rates do not change, by 2010 almost 50% of cars sold will be bought on credit. That is why all Russian banks are striving to create the most attractive loan system , and thus to achieve popularity in this segment. And, of course , they do it . Experts say that to date, car loans have become much more accessible than, say , a couple of years ago. For example, credit terms , on average, increased by up to 10 years , and interest rates are much lower. The most minimal of them to date is about nine percent. In addition, the Russian banks appears competition - foreign dealers of major corporations such as BMW, Renault, Toyota and the like, are showing a strong interest in our market lending.

On the basis of this rivalry came in our banks lending system «Buy-back», which is a loan with the ability to repurchase the vehicle. Many experts believe this system the most promising , but our consumer, in contrast to many European countries , the popularity of the system «Buy-back» has not yet been acquired .

In addition , many Russian banks are abandoning the compulsory acquisition for car loans CASCO policy so embarrassing many buyers. Instead, the bank will charge additional fees that will , if anything , to cover possible risks.

Today, the credit system, many banks are always new offers . Therefore , going to buy a new car on credit , the program is more detailed study of some banks and choose the one that is to your liking. For example, " Binbank " this year has launched a new program called " loan without income verification ," in terms of which to obtain car loan will be enough to provide the bank just two documents - a copy of your passport and any second identity document , such as a driver law. This loan is for a term of up to five years , the minimum down payment on it equal to ten percent , and the interest rate is thirteen per cent per annum. In addition to this you will have to pay a fee for arranging the loan is six thousand.

The Bank of Moscow this year a program of refinancing loans , operating in conjunction with the program «trade-in». On it you will be able to exchange your purchased on credit for a new car , while it is not necessary to credit for the car you take it in the Bank of Moscow. Credited car will be the first installment of a new car. In addition, the Bank of Moscow takes all your debts on the old loan , and even to pay extra for a new car.

There are many attractive programs for car loans , as competition between banks is very high. So before you open the opportunity to weigh the "pros" and "cons" and choose the product that is the bank that will suit you, and most importantly - your budget.

Lending to individuals or how to get a bank loan?

s it possible to live in the credits? And where to get the credit? Of course, it is best to get a bank loan . For the developed countries to take the credit in the bank - this is natural and normal. People are also being raised in 70 years to live only on " wages " and "paycheck to paycheck " is still difficult to overcome the psychological barrier of fear and to solve their current problems to use a bank loan. But the situation is beginning to change. Obtaining and credit management today is an integral part of our reality today.
Russian commercial banks develop, expand and improve . Depending on demand , are formed and go to market various types of banking services (operations) . One of the main services of banks - deposits placed with individuals in order to generate revenue , ie lending. Given the lack of funds from the general population , as well as the presence of growing demand , retail lending has become the main way to solve some domestic problems of the population and is increasing demand.
Analysis of the data at the request of the Internet shows that the monthly average , banks are interested in Russians about 2 million times , loans - more than 0.5 million times, and credit to individuals - more than 0, 4 million times . Based on the review of requests , we can highlight the most popular bank, Sberbank is Russia - about 0.2 million requests per month - how to get a bank loan.
Loans - are loans in the form of money or goods, the terms of repayment , and usually the payment of interest . Of course it would be better to receive interest-free loans, but in life it does not happen . The population of developed countries has been successfully used for the needs of their loans : short-term and long-term . Interest rates on loans, there is much lower and less painful for the family budget than we do .
Russian commercial banks finally starting to turn around , too, face to the public, improving and simplifying lending and extending loan types and their diversity. However, the bank loans of the road: the interest rates on loans and credit co- registration services of banks are in total about 25-35 % of the amount of the loan .
Lending to individuals in recent years is growing rapidly in volume. On that not only are granted loans : to repair the apartment , a loan for the purchase of cars, on cell (mobile ) phones , credit for the tires , commodities, credit , household appliances, and others. Exemplary types of loans :
* The credit for urgent needs , personal loans
* Loans for buying a car ( car loans, car loan, auto loan , a loan for used cars )
* Commercial loans ( for home audio and video equipment , etc.)
* Loans for young families
* Loans for real estate ( housing loans , loans for construction and renovation )
* Express - Loans for the purchase of goods ( through the representatives of the bank in stores )
* Mortgage loans
* Loans on wages,
* Learning Credits .
* Trust loans.
* And other
They decided to take the credit ! Do not know where to start ? First, you must determine the required amount of money. Secondly , choose a commercial bank, visiting a few . Each commercial bank you need to find a consultant on lending to individuals and explain your problem. He will offer you a number of programs that would fit your need . To select a specific program for credit, get all the answers to your questions on each of the programs . Credit management starts with choosing the best option , as follows:
* In what amount you can receive loans. To get a reasonable response consultant , you should have better information on wages for the last year of all working members of the family for the calculation of income ;
* What are the loan interest . Too low interest rate should alert you to the bank never loses their income. Certainly , the income of the bank get the associated credit services. If we are talking about free loan for the purchase of household appliances through the store , with which the bank has a cooperation agreement , the interest-free loans do not exist. Banks are not philanthropists . Interest cost and services is already incorporated in the price of goods, which is easily verified in a nearby store . Get a calculation of the amount of interest for the entire period of the loan .
* Find out which services are provided by a commercial bank in the design and maintenance of credit. Get a calculation of the cost of these services (consultation on the loan, loan application , loan account opening , loan account maintenance , inspection and evaluation of collateral, loan disbursement of cash, servicing a loan , insurance, mortgage insurance contributions ... ) . The optimal amount of monthly payments to the bank of the monthly income of the family - 15-25 % , it is tested in practice , it has turned more - could be financial problems
* In what currency loans. It is safest to get a loan in rubles. When exchange rates are not stable , then the conversion may lose significant money .
* Do I need guarantors and how many people . Better to choose a loan without guarantors, or with a minimum number of them . Guarantors are jointly and severally liable for repayment of the loan , interest and any penalties for the entire period of the loan . Inadvertently people can substitute .
* What is the term loans are issued . Try to compare your income with a choice of the type and term loan .
* Can I interest loans and extinguish prematurely . Many commercial banks do not allow early , the monthly payments on the loan. The money will be made ​​ahead of time to lie on your checking account with no traffic . In particular contract , the bank will write off only specific to calculate the planned amount and no more. Which bank will like to lose revenue ! And many types of loans even provide for early repayment of the loan, interest payment in full of the initial transfer. That is, paying off the loan early , you will save your money ;
* What are the shops commercial bank operates and whether it desired product. Many banks have items consultation and processing the loan in stores ;
* What is accepted as collateral or unsecured loans are collateral. In support received and purchased equipment or machine ;
Every citizen who wants to take the credit ( loan ) must tend to follow general requirements for all banks :
* Permanent residence in the territory served by the bank (permanent residence permit )
* Have a principal place of business in the territory served by the bank ( certificate of employment )
* Have a continuous period of employment in the last ( current ) location of at least one year ( the individual loans less)
* Does not have arrears on loans previously obtained ,
* Be solvent ( the calculation is made by the bank on the basis of the applicant's income or income-based his family).
* To be between 18 to 60 years. Some banks give small loans today and pensioners.
Loans (loans ) are not made ​​to the following applicants :
* Not working citizens and pensioners,
* Citizens who are under investigation,
* Citizens with outstanding conviction , including probation .
If loans with collateral that can be offered to the bank as collateral. Types of collateral :
1. income ( salary ) ;
2 . surety ( family members, other individuals , legal entities) ;
3 . security of property (houses , flats , machine tools , privatized land, livestock ...);
4 . pledge of securities;
5 . bail jewelry ( not all the banks because they do not have a license) ;
6. pledge of personal property (household appliances , audio - visual equipment , car, headset ... ) .
All types of security documents necessary to confirm the ownership and value, the sum of all items offered as collateral for loans to individuals , exceed the amount of the loan with interest at the appraised value of the bank. As banks , determining the realizable value of collateral , enjoys lower the odds , the property with long life offer is not desirable.
The bank is selected , the loan is defined, begins the paperwork. The Bank issues credit agreement for lending to individuals , which is transmitted to you for signature. To sign - it's not tricky . I recommend that you take the contract home loans , all carefully read. When working with an expert of the bank, do not always sounded all the conditions of the loan, which can then result in losses. Once again, in a relaxed environment , to calculate all costs and only then sign a contract for a bank loan. Remember that credit management starts with counting all income and expenses. For each loan credit application forms ( documents ) and then executed issue .
You can use the loans , only each time carefully calculate their solvency . And most importantly, remember that loans are often dragged into financial bondage for a long time .

And before you make a decision about the choice of the bank and the type of loan , I recommend that you familiarize yourself with this service in several banks . Interest rates and conditions may be more acceptable.

Or save up to spend their extra money

Perhaps all the people attending meditation on this subject ... How to live, how to deal with the extra money - to save or spend? And where better to save money - in an account in a bank or a bank of glass or tin, for example)? Let us consider these options ...
1. Accumulation. In order to save a good idea to plan your expenses and keep a certain amount on them, and all the surplus put into a bank account. You can also find yourself a plastic card and keep all the money on it, without a penny in his purse. Set yourself a strict limit on the month, and not to spend unplanned. But in this case will always have to deprive yourself of small (and not only) the joys of life! But maybe someday, save up for a performance of his big dreams! If you die forward, of course, or the bank does not go bankrupt, or you will not become a victim of extortion, fraud and scams - and now can be any swindler, even relative ... But why "now" - always has been .... For some people, people do not have that choice, they have the money on necessary expenses, and those lacking.
Having in his bank account even a very large sum, one gains some confidence in the future. Count on that they can spend in an emergency ... For example, "if I get fired tomorrow, I can at least 3 months to live without a job" ... And once the soul is calm and sleep better ... somehow As money can be invested in things that can serve you in the present, but if necessary they can sell ... Some hoarding becomes a passion, they are willing to live on bread and water, rummaging in the garbage, begging, but all have a bank account (and in such cases are often used socks, stockings, cracks in the wall of the long time not to make repairs, and the space under the mattress on the bed spring). And for those who are not yet out of his mind, can begin emotion. when the amount in the account becomes serious, because it can be embedded in any business, and grow. Or you may lose "all that is acquired by overwork" ... Now, the big money is not allowed to sleep at night .... And not that it matters, where it is stored - in a Swiss bank or in a tin on the fifth shelf in the closet ...
2. Waste. Live for today, all my carry, to take out of your pocket or purse as long as necessary for the purchase of daily-required or even necessary, and one that I just wanted to ... And if the pocket was empty ... think of something! It is an ideology of free individuals, informal groups, but also just splurged and marginal elements (drug addicts, alcoholics or players) who give in to their passions and can not stop. If you do not financially dependent on you people (children and disabled relatives, or simply of old), and you believe in yourself, do not fear to die of hunger and to live on the street - you have the right to live and.
And yet, what lessons? Hoard or to spend and live only for today?. Comes to mind first - a quotation from the Gospel of Matthew, "Do not store up for yourselves treasures on earth, where moth and rust consume and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break and steal. "
Second ... I remember a lecture at the university told us the story of a tribe of natives who tried to civilize, offered them jobs and pay. Wages there for some reason given daily. So, they bought their food with the money, and the rest of the money went for the evening on the tram. They do not understand why they should leave something for later, for tomorrow. But there it was a country that is always summer, and this is a big difference. Russia - a country where it is cold and bitter winter. If all to squander not concerned about the small stuff and entertainment, to stay on the street, without warm clothes and even without food for a while in the winter is dangerous to life! Even in summer, you will probably be scary to sleep on the street .. Moreover, it is one thing to stay yourself, but when you depend on your life dear people, it is quite another matter.
I think the truth is somewhere in the middle. In the matter of which is more important - the daily small joys or execution big dreams and financial stability, you must listen to yourself, to your voice of reason and intuition, as well as the advice of smart people ... And it may be with you, and then, and more.
What to do with their surplus? What to do with your extra money: save, open a bank account or spend, to let the world, and then when I need to borrow and take out a loan, but to live to the maximum, not regretting a moment of his past life? This is a question that is worth reflecting! You can, of course, do not bother, just work, make money, and if necessary, take, how much money by taking out a loan on the internet for 5 minutes without the hassle and certificates!

Lending

 IBRD | MAP |The mission of the World Bank is to reduce poverty. This is an important commitment to the observance of which must be required by the Bank and its activities should be assessed against the background of this commitment. In its first year (1946), the Bank has granted loans amounting to 500 million U.S. dollars. Today the World Bank annually provides 20 to 30 billion dollars, which are sent to different targets, among which include agriculture, trade policy, health care, education, energy, and mining.World Bank - one of the largest sources of public funding in the world. However, they performed a variety of roles, including a credit institution, an intermediary in the transfer of knowledge as well as the controller access to finance for development, together serve a different purpose, namely the direction of the flow of investor dollars and aid to certain countries and sectors. The focus of these investments on poverty reduction can often be questioned.World Bank as a lending institution: World Bank lends money to governments in low-and middle-income countries on the following general objectives: investment projects and policy reforms. When lending to investment projects typically support is public facilities, such as water, roads and schools. The World Bank also funded for the reform of the economic, institutional and other policies, and this type of lending is often called credit for "structural reforms" or "development policy". These reforms may have some impact on the number and composition of public spending in your country, and to create the economic and social policies implemented by your State and affecting the cost of electricity and water, labor laws and regulations governing foreign investment.The World Bank provides funds in the form of loans and grants, and the poorest countries often receive both types of funds. In recent years, the Bank has increased its share of funding provided through grants.As a rule, the Bank requires that borrowing countries to take action or prior to the approval of the related loan or grant, or in the course of the project. These requirements are denoted by the term "conditions" or "conditionality". Conditions can be very different - from the requirements of the privatization of companies in the public domain, or to establish a lower trade tariffs to mandatory approval of the new budget and the introduction of new procurement procedures. The fact that borrowing governments Bank imposed conditions producing a mixed assessment, has long been a target of criticism because it can be considered as a violation of the sovereignty of states and the method of non-democratic reforms plantations, which can cause severe consequences for people and the planet.The World Bank as an intermediary in the transfer of knowledge: the Bank has taken a leading position in the market research in the field of development, regularly publishing numerous books and reports, which form the public debate about development. In the absence of alternative sources of information, many countries are informed about economic policies and development models through the World Bank. In 2000, the World Bank has set up its own research and educational institution, the World Bank Institute (WBI) in order to have a direct impact on the discourse of development. WBI has conducted training for public officials, including parliamentarians and civil society representatives on the various aspects of policy and planning for development.The World Bank as the controller access to finance development: Finally, the World Bank has an impact on the total amount and the content of the financing available to countries in development. Lending by the World Bank and other donors decisions by the results of research and analysis undertaken by the Bank, in particular, such as the assessment of the Bank's research institutions and policies of the country (CPIA) and the Investment Climate Assessment (ICA), which ranks countries based on their economic policies and openness to foreign investment. Since many donors follow the example of the Bank, taken by the agency funding decisions, as well as its assessment of country development strategies largely determine the extent of access to the borrowing capital from a variety of resources. The role of the bank as a supervisor is particularly strong in the case of countries that are dependent on external aid and do not have the credit rating than countries with access to international capital markets.