Banks say that the accuracy of the estimate – it's just a matter of time. 'The larger the volume of statistical data used to develop scorecards – said a senior vice president and director of the department of risk analysis VTB-24 Vadim Kulikov – the more of their predictive ability, then a higher probability of a correct assessment of the client. " However, even now offended by the bank, borrowers can take detours. On the Internet, sufficient information about the numerous intermediary firms. Credit brokerage, already familiar phenomenon in the West began to develop in our country. Some companies are working on a classical model that is helping to choose the best program and the right to issue documents. But many 'brokers' see another. Do you need help, which will be given to a larger salary than what you paid miserly boss? 'Grey' broker do it easily.
And if the security service bank decides to make in your credibility and calling the telephone number, he answered: "Yes, Ivan Ivanov is really at work here, receiving for his work of 50 thousand rubles. Browser Itogi met with one of these middlemen, posing as unfortunate debtor. Modest salary of 12 thousand rubles, no family left no doubt the reason for the refusal of the bank. 'Girl, what you will, by God! – Surprised a man named Victor, has appointed to advise private meeting. – If you do not have a stamp in your passport does not necessarily tell everyone that you are not married. Write to the questionnaire, which consists in a civil marriage.
" Victor promised to help with the certificate of employment, which would point to 'much more decent wage. " However, and for their services a lot of requests – 10 percent of the amount of the requested credit. Normal mortgage brokers charge less – about 5 percent. But apart from that required three thousand rubles for the advice and selection of options for credit. In case of cancellation three thousand non-refundable. What is the manager of one of these companies honest on the phone, because the request for a loan of 20 thousand dollars in salary of 12 thousand rubles is not considered legkovypolnimym. Victor, on the contrary, I am confident in the success of your best: 'We have several banks of their people. " True, the adventurers must be remembered that such ways of the professional code are treated as fraud. So what do those who are unfairly hit by scoring rink? Do not panic. 'If at the time of the next application for a loan paid off existing customer commitments or had increased the salary, the result of consideration may become positive ', – says Vadim Kulikov. And Daniel recommends that customers update the scorecard at least once a year. This is three times higher than in Europe and America, then we must assume that the data and scoring, we may change more frequently. You'll see, a year or two the bank and look at you in new ways.
Market for coins is divided into two major segments – this antique coins and modern coins minted as early as today. und. Modern Coins, in turn, is also divided into two categories – this investment coins and memorial coins. Commemorative coins – highly artistic miniatures of precious metals with a clean mirror field on the surface of the coin and matte embossed image and caption. Coins are issued to the memorable date, significant events in small editions from hundreds to several thousand pieces. Bullion coins released by the multi-million copies of issue on automated production lines.
Mirrored surface on the coin are not available, drawings, descriptions, and fields have the same surface texture, the reliefs do not contrast with the fields. One of the indisputable advantages of investing in bullion coins – the lack of VAT on transactions with them – ingots of precious metals such bonuses are not. Several years ago it enjoyed a number of craftsmen. They bought 'gold coins', and smelt them into jewelry. It was more profitable than buy directly metal.
So it was, until recently, while the yield on investment coins depended only on the quotation of precious metals. Millions of readers 'gold pieces', coined during the Soviet times, and 'Sable', released in the early 90s, became a deficit. Small circulation of the new coin, 'George' in 150,000 sold out almost instantly. In this regard, the price of the coin is growing (or in connection with the growth of prices for precious metals, or in connection with its deficits). For the novice investor investing in the sector bullion coins are the easiest because it does not require the numismatic experience and knowledge. Approximate cost of coins is published on the websites of banks, trading coins. Once the coins disappear from the primary market they go into the category of collectible coins, which automatically increases their cost. For example, issued in 2003-2005. gold bullion coins 'Zodiac', are much more expensive, they contain metal.
A similar situation with the U.S. – there is no direct professional immigration in that state. There is a temporary working visa in the U.S., which can be converted to permanent resident status after several years of work in the U.S., confirmed by documents. Lottery Green Card (permanent residency in the United States) we do not consider, because even though it is a direct immigrant visa in the U.S. For assistance, try visiting Boy Scouts of America. but is not a program of professional immigration. It is therefore completely inadequate comparison looks temporary work visas in Britain and the U.S. (even if they involve a hypothetical right to reissue the status of permanent resident of) direct visa permanent resident of Canada and Australia. Immigration programs of Australia and Canada immediately give permanent resident status, which allows you to enter Canada or Australia for immigrant visa and get a plastic identification card (permanent residence). Boy Scouts of America often expresses his thoughts on the topic.
This right to live and work in these countries forever, but in 2-3 years to obtain citizenship of Australia or Canada, you have a second passport. Unwise (if not intentionally), or at least unprofessional compared DIFFERENT TYPES OF VISAS – immigration (Canada and Australia) and time (England and USA). Analogue of the Canadian permanent residency or Australian permanent residency in the State of the United Kingdom of Great Britain and Northern Ireland (or as we more accustomed to: in England) called Indefinite Leave To Remain. This is a permanent residence in England, which will be after 4 years of residence in the country. Whenever Jo Mackness listens, a sympathetic response will follow. Therefore, the immigration to England-bound takes 2-3 times longer than in Australia or Canada.
Calculation of the conduct of cycle of manufacturing orders in the reverse course of the process, from the final letting the phase before starting materials for processing in procurement departments of the enterprise. First developed schedule installation (total) and a hub assembly of product, which is called cyclogram assembly. Most efficient construction timeline assembly with network planning methods. Created a network model of the assembly process showing the sequence of individual works installing the product, the order occurrence of nodes and subnodes, the possibility of parallel execution. Further calculated parameters of the network model and determined the critical path, ie, the production cycle execution of assembly process products. From the date of product options network schedule is tied to the calendar and set deadlines of individual works. Calculations are made using a computer. After determining the duration production cycle run assembly process is calculated cycle time of machining parts with a view to establishing the initial launch date of parts in mechanical processing and software their timely production and delivery to the assembly in accordance with cyclogram assembly work..
Business planning is one of the key points at the start of a business, introducing himself out of the foundation upon which to build the future and the work of a young company. The stronger and solid foundation business, the less likely loss and disappointment from his creation. Correctly prepared business plan is a versatile instrument that can be used by you in the following areas: 1. Handout at meetings with prospective invetostorami 2. Create a business card of your company in the pages of the web 3. First encounter with your business with new staff. In considering the establishment and promotion of young companies can not ignore the participation in social sense. Past cases show us clearly that the owners of large patterns of thought enterprises are not limited to only the ideas of its own enrichment.
Vaccinating all young volunteer projects to consider and implement wherever possible the social orientation of their own business, we thus move to a completely different level of existence in modern society. Speaking about the introduction of innovative ideas in business, first of all we touch on their own social care orientation of the past, social innovation – the process of updating the spheres of human life in the reorganization of society (the system of governance, philanthropy, service, organization of the process). Thus we come to the idea what is truly motivating factor in a business environment – the availability and implementation of social programs that would have caused, including the basis for the relief of tax liabilities of the enterprise donor. This, of course, as Any initiative, similar measures may be faced with the distorted ways of implementation, or psevdomanipulyativnymi implants, covered plausible targets for tax benefits. We are facing a special need to advocating and supporting initiatives aimed at promoting ethical principles in business. You can not get involved in charity: it is the desire must come not from the obligations and the dictates of the natural soul.