K-s banks that make loans for the purchase of new foreign cars for five years, the last three months has almost doubled. Simultaneously with the building of the timing experts predict the transition to a floating interest rate on long-term loans. Interest rates declined slightly
According to the company Prostobank Consulting on 06/21/2010, the number of banks that are among the 50 largest by assets, outstanding loans for the purchase of cars of foreign manufacture for a period of five years, representing 16 agencies. On 15.03.2010, the banks issuing the loans, was 9. Thus, the number of bank loans for the three months increased by seven organizations. Also increased and the number of bank loans for a period of seven years, up to four agencies, although in early 2010 in this segment was represented by only one bank.
Friday, July 16, 2010
How to tame the collectors
In six years of the crisis profession has evolved from a collector in curios, as they say, "everyone's lips," wrote Today How to protect your rights, if the collector of persistently flout
No wonder, because if the dollar rises by 60%, then the part of borrowers can no longer fully pay for foreign currency loans (such as among mortgage and avtozaymov was up 80%), and the banks say collectors "FAS". But we must admit that more often targets of harassment of collectors are those that are poorly or not at all extinguishes extinguishes a small cash loans for equipment or credit cards. Moreover, such debts are sold wholesale banks collectors, and after the change of lender borrowers must repay the loans are not financial institutions, and debt collection companies.
No wonder, because if the dollar rises by 60%, then the part of borrowers can no longer fully pay for foreign currency loans (such as among mortgage and avtozaymov was up 80%), and the banks say collectors "FAS". But we must admit that more often targets of harassment of collectors are those that are poorly or not at all extinguishes extinguishes a small cash loans for equipment or credit cards. Moreover, such debts are sold wholesale banks collectors, and after the change of lender borrowers must repay the loans are not financial institutions, and debt collection companies.
How to save the guarantor of the loan
Many of those who once made the guarantor of the loan of relatives or friends, now forced to pay foreign debts. How can fend off this honorable mission, or at least maximize the deferral of payment. Using the advice, you can save your budget from unplanned costs of the loan money will tell. For fans of "extreme" it may be advisable to file a lawsuit on behalf of the relatives of the surety to be recognized as incompetent.
For fans of "extreme" it may be advisable to file a lawsuit on behalf of the relatives of the surety to be recognized as incompetent. In the case of a counter-claim from the bank all the disputes in court will occur with the participation of the board of trustees, which is unlikely to give consent to the alienation of property incapacitated.
For fans of "extreme" it may be advisable to file a lawsuit on behalf of the relatives of the surety to be recognized as incompetent. In the case of a counter-claim from the bank all the disputes in court will occur with the participation of the board of trustees, which is unlikely to give consent to the alienation of property incapacitated.
Credit temptation
After a long lull, people again began to plant on retail loans, writes Business Capital. The revival of lending to the population this year took place gradually.
Favorite game domestic financiers under the title "Cattle-pen" Alena "continues. C beginning of the economic crisis and the growth of defaults on loans physical persons bankers vowed to turn all the shares to the public and to freeze retail, ceasing to plant on their loans. But they held out for long. Surrendered financiers in July: on auto loans and mortgages began to cut interest rates to reduce the size of the initial fee and prolongs the allocation of funds. Bankers have realized that by not crediting the people, they can not get out of chronic losses, which are mired in 2009
Favorite game domestic financiers under the title "Cattle-pen" Alena "continues. C beginning of the economic crisis and the growth of defaults on loans physical persons bankers vowed to turn all the shares to the public and to freeze retail, ceasing to plant on their loans. But they held out for long. Surrendered financiers in July: on auto loans and mortgages began to cut interest rates to reduce the size of the initial fee and prolongs the allocation of funds. Bankers have realized that by not crediting the people, they can not get out of chronic losses, which are mired in 2009
Overview of the mortgage market on July 13
Banks offer the old loans to new borrowers. Bargain whether and how great the risks found out the "Money". Banks offer the old loans to new borrowers.
Almost yesterday we were promised that the summer of 2010 will be an unprecedented release of the sale of secured apartments and houses, which simply bring down property prices. The prices are still holding on, but it does significantly increase the supply of property recovered from unscrupulous borrowers.
Now, almost every bank on the site has a section "sale of mortgages, where you can find apartments, cars, land, houses, warehouses and much more.
Almost yesterday we were promised that the summer of 2010 will be an unprecedented release of the sale of secured apartments and houses, which simply bring down property prices. The prices are still holding on, but it does significantly increase the supply of property recovered from unscrupulous borrowers.
Now, almost every bank on the site has a section "sale of mortgages, where you can find apartments, cars, land, houses, warehouses and much more.
Mutual funds and online trading - that common?
Every second, more or less educated people, if not thoroughly know the mechanism of attachment and the principles of mutual funds, the words of mutual fund and unit heard for sure. Talking about the same popularity of Internet trading is not necessary yet. Shares of mutual funds today are considered one of the best tools available for investment. If you walk a few blocks of the city or read a couple of pages of financial publications, it must meet the advertisement or information on mutual funds. Ceychas in mutual funds began to invest even financially careful people. By contrast, according to a survey in 2005, the majority owners of Internet access do not consider Internet trading as a source of additional income, 30% of respondents do not know anything about online trading, and 45% - are simply not interested in what the stock market can earn through the Internet.
How to hedge currency risks
Part 1. Solution
Given the large Russian importer of electrical equipment is payable on contracts with European suppliers, expressed in euros. Management reporting company is in dollars, and when the euro rising against the U.S. dollar, exchange rate losses are formed. Depending on the market monthly payments in euros is $ 10.5 million loss on exchange last year, fueled by growth in the euro against the dollar by 23% and amounted to about $ 5 million Importer is operated by a commercial lending - the postponement of payment upon delivery of goods is 1-3 months.
Given the large Russian importer of electrical equipment is payable on contracts with European suppliers, expressed in euros. Management reporting company is in dollars, and when the euro rising against the U.S. dollar, exchange rate losses are formed. Depending on the market monthly payments in euros is $ 10.5 million loss on exchange last year, fueled by growth in the euro against the dollar by 23% and amounted to about $ 5 million Importer is operated by a commercial lending - the postponement of payment upon delivery of goods is 1-3 months.
Thursday, July 15, 2010
Game Minds
Today, the company «Water House Capital», offers you an educational program of the "new generation". The amount of technology: psychology and technical analysis. "Wave Wolf" and "new" vision of the market. Training seminar for those who cares ...
As is known, successful trading is 90% consists of emotions and psychology, and by 10% - of technology. This does not mean that you can not study and did not analyze the market. But even the best trading system - with their best signals and indicators - will be seriously undermined if the "mental" side of your trade is not effective enough.
Trade - a study on their own practical experience. And no errors we can not do, because in the world, error-free system or indicator does not exist. But we know one necessary component, not dependent on your time frame, options, trading style or experience - is discipline.
As is known, successful trading is 90% consists of emotions and psychology, and by 10% - of technology. This does not mean that you can not study and did not analyze the market. But even the best trading system - with their best signals and indicators - will be seriously undermined if the "mental" side of your trade is not effective enough.
Trade - a study on their own practical experience. And no errors we can not do, because in the world, error-free system or indicator does not exist. But we know one necessary component, not dependent on your time frame, options, trading style or experience - is discipline.
Paradox Commodity
Trading in the futures market is no more difficult than any other. You only need a little understanding of its features. And above all we should understand that futures and Commodity not quite the same.
If you believe that Commodity (commodities) and futures (futures) - the same thing, you have to disappoint you. This is not equivalent to the concept, although in some cases we can speak of Commodity, implying that futures, and vice versa. If you are not completely confused and are able to collect his thoughts - read our article. You will understand what these concepts are different and what are their similarities, in which cases the words "Commodity" and "futures" are synonymous, and in which - no.
If you believe that Commodity (commodities) and futures (futures) - the same thing, you have to disappoint you. This is not equivalent to the concept, although in some cases we can speak of Commodity, implying that futures, and vice versa. If you are not completely confused and are able to collect his thoughts - read our article. You will understand what these concepts are different and what are their similarities, in which cases the words "Commodity" and "futures" are synonymous, and in which - no.
Third observation
William J. O'Neil first described the model of a breakthrough "cup with handle" (Cup and Handle (C & H)) in his book, "How to make money in stocks." Since that time, Investors Business Daily and other popular magazines have broadened our understanding of this classic model. But to date, very few swing-traders are aware of the diversity of this formation on different time scales and markets.
Source pattern resembles a rounded cup with a tiny hand and represents a breakthrough triple peaks. Price rises to the first peak, razvorachivatsya and rolled to form the left side of the cup. Ultimately, the asset is the support and builds the bottom side. New Rise breaks to the old maximum. It forms the right side of the cup. On the double top sellers appear, and the market pulls back a second time. Next draw a smaller decrease in the handle, because the price will stabilize again, but this time at a higher level. Then it rises again in the 3 rd rise sharply and flies away to new highs.
Source pattern resembles a rounded cup with a tiny hand and represents a breakthrough triple peaks. Price rises to the first peak, razvorachivatsya and rolled to form the left side of the cup. Ultimately, the asset is the support and builds the bottom side. New Rise breaks to the old maximum. It forms the right side of the cup. On the double top sellers appear, and the market pulls back a second time. Next draw a smaller decrease in the handle, because the price will stabilize again, but this time at a higher level. Then it rises again in the 3 rd rise sharply and flies away to new highs.
Hidden Market
Wall Street analysts insist that is the only possible reasonable method to measure the price movement, born in their narrow view of the market. Based on fundamental analysis, they assume the rationality of the market, where only the balance sheet determines the value of each share. When the price of daring to rise above this hidden calculus, they stick to it a negative label overvalued, hoping to derail it. Conversely, when their followers will not Nabavi price of cheap paper, it will certainly be an undervalued commodity.
These so-called experts miss one of the great truths of the market game. Regardless of our beliefs, we all - just a flea on the back of an elephant. No single discipline can not hope to cover all the myriad forces that cause each increment of price movement, its direction and momentum. In fact, the true failure of fundamental analysis is precisely from such a lack of required input data.
These so-called experts miss one of the great truths of the market game. Regardless of our beliefs, we all - just a flea on the back of an elephant. No single discipline can not hope to cover all the myriad forces that cause each increment of price movement, its direction and momentum. In fact, the true failure of fundamental analysis is precisely from such a lack of required input data.
Scams market "Bruce Babcock (Bruce Babcock).
How long would be able to survive in business casino, if the majority of its visitors are not lost, but won? Same on the market. In order to continue to exist, the market should act in such a way that the participants lost. Otherwise, where to get money to pay the winners, if the majority wins? Casino has certain advantages compared to the market - it can pre-set rules of the game, which will provide the owner of the mathematical advantage. The market also can not directly control how to play each individual player. Most traders - is smart, educated people. They have almost unlimited sources of information on how to trade (...;) - Remarks. Moishe ...). They are powerful computers with intelligent programs designed to win the market. Why, then, because a high percentage of traders, bearing losses?
It is well known answer is that traders can not adequately manage their emotions in order to achieve success. This is certainly true. Another less-known reason is that the market is constantly misinforming the participants. I do not want to say that the market has its own free will, or there is a conspiratorial group among insiders, set itself the aim to manipulate the market. That something is happening by itself due to the nature of the market. Market like the enemy, who kept trying to make you play badly.
It is well known answer is that traders can not adequately manage their emotions in order to achieve success. This is certainly true. Another less-known reason is that the market is constantly misinforming the participants. I do not want to say that the market has its own free will, or there is a conspiratorial group among insiders, set itself the aim to manipulate the market. That something is happening by itself due to the nature of the market. Market like the enemy, who kept trying to make you play badly.
Wednesday, July 14, 2010
How to distinguish strong from weak bank?
However, the sediment remained. How to determine which bank you can trust money, and a collapse in the near future? Especially if the bank is not among the market leaders? It is so reluctant to pull their money out of the Guarantee Fund for physical persons!
After a dozen bank failures in 2005 - 2006, much water has flowed. There was increased amount of the guaranteed deposit amount to 50 thousand UAH, many banks have been bought by foreign financial groups, and even bankers themselves have learned from the lessons of what happened. "The experience of recent bankruptcies forced banks to improve their approaches to work. I do not see the banks that operate on the brink of a foul, "- said the director of Treasury Bank Khreshchatyk Alexey Kozyrev.
After a dozen bank failures in 2005 - 2006, much water has flowed. There was increased amount of the guaranteed deposit amount to 50 thousand UAH, many banks have been bought by foreign financial groups, and even bankers themselves have learned from the lessons of what happened. "The experience of recent bankruptcies forced banks to improve their approaches to work. I do not see the banks that operate on the brink of a foul, "- said the director of Treasury Bank Khreshchatyk Alexey Kozyrev.
Tuesday, July 13, 2010
Investing: Why not invest your money?
People often ask the same question: "Why not invest your money? I'm still not going to use them yet. " Agents are trying to convince you that the benefit to invest for 7, 10 or 15 years, since you still will not use them. This argument is completely useless and I will tell you why.
First, the only reason that agents insist on investing money - a structure the commission annuities. Think about how insurance companies are satisfied that the commission may pay brokers up to 15% of the investment. If you want to know how to get your money broker, look at the fines that have to pay for something to take away their money. They almost always the same as a commission.
Securities in which you invest, when to buy variable annuities, work the same way as mutual funds or indexed, is not it? What if the purchase or indexed mutual fund instead of annuities. Are you who you invest when buying variable annuities, work the same way as mutual funds or indexed, is not it? What if the purchase or indexed mutual fund instead of annuities. Should you then invest the money for 7 or 10 years? Of course not! You will be able to cash out the money at any time at market price. After investing money in an annuity - a benefit of agents, not yours.
First, the only reason that agents insist on investing money - a structure the commission annuities. Think about how insurance companies are satisfied that the commission may pay brokers up to 15% of the investment. If you want to know how to get your money broker, look at the fines that have to pay for something to take away their money. They almost always the same as a commission.
Securities in which you invest, when to buy variable annuities, work the same way as mutual funds or indexed, is not it? What if the purchase or indexed mutual fund instead of annuities. Are you who you invest when buying variable annuities, work the same way as mutual funds or indexed, is not it? What if the purchase or indexed mutual fund instead of annuities. Should you then invest the money for 7 or 10 years? Of course not! You will be able to cash out the money at any time at market price. After investing money in an annuity - a benefit of agents, not yours.
Monday, July 12, 2010
Influential. BANKS
Most of the major banks, despite stiff competition, managed to keep its market share. Over the past five years, the largest fininstitutom country in terms of assets remained Privatbank. Whose merit in this more - Privat Group, or chairman Privatbank Alexander Dubileta - difficult to define. But, undoubtedly, the director is to pay tribute to a stable position he headed the financial institution in which it operates since its inception in 1992 and knows his business better than anyone else. Dubilet led the bank in 1997, succeeding as CEO Sergei Tigipko.
Undoubtedly, the National Bank and the Government now and in future will have to reckon with the decisions taken by top management Privatbank, which accounts for slightly less than ten percent of the assets of the banking system. In 2009, he continued to perpetuate the image of an international financial institution, is actively developing its business in the Baltics, Georgia and Russia. During the period of active expansion of foreign capital into the Ukrainian market Privatbank Dnepropetrovsk retained the status of the largest. Now his closest non-state rival - the bank Raiffeisen Bank Aval - not enough at least 32 billion hryvnia assets to compete with the leader.
Undoubtedly, the National Bank and the Government now and in future will have to reckon with the decisions taken by top management Privatbank, which accounts for slightly less than ten percent of the assets of the banking system. In 2009, he continued to perpetuate the image of an international financial institution, is actively developing its business in the Baltics, Georgia and Russia. During the period of active expansion of foreign capital into the Ukrainian market Privatbank Dnepropetrovsk retained the status of the largest. Now his closest non-state rival - the bank Raiffeisen Bank Aval - not enough at least 32 billion hryvnia assets to compete with the leader.
Sunday, July 11, 2010
Global markets have opened a week increase
The external background to start trading on Monday, June 21, positive. The Friday the stock trades in the U.S. and Europe have closed different directions, resulting Trading British FTSE100 fell by 0.06% to 5,250.84 points mark, as the Dow Jones index rose by 0.16% to 10,450.64 points mark, according to Concorde Capital.
Trading in Asia today are sure to increase in the basic indexes, the Japanese Nikkei index rose by 2.43%. Trading on Russian stock exchanges opened today growth of more than 2%.
Futures on the U.S. indices this morning, traded with the increase in the range of 1,4-1,7%. Positives for the markets was a Saturday statement by the Chinese authorities on mitigation of monetary policy, plans to move to a more flexible RMB exchange rate and the rejection of hard pegs the yuan to the dollar.
Trading in Asia today are sure to increase in the basic indexes, the Japanese Nikkei index rose by 2.43%. Trading on Russian stock exchanges opened today growth of more than 2%.
Futures on the U.S. indices this morning, traded with the increase in the range of 1,4-1,7%. Positives for the markets was a Saturday statement by the Chinese authorities on mitigation of monetary policy, plans to move to a more flexible RMB exchange rate and the rejection of hard pegs the yuan to the dollar.
Funds raised capital requirements
The Verkhovna Rada adopted the changes in a number of laws to enhance the working capital requirements of professional stock market participants. For the law (Bill N2540) voted 248 deputies.
As the correspondent of Liga, the document introduced the position for which the size of the share capital depository shall be not less than 15 mln. And the amount of equity clearing depositary - not less than 25 mln.
As the correspondent of Liga, the document introduced the position for which the size of the share capital depository shall be not less than 15 mln. And the amount of equity clearing depositary - not less than 25 mln.
The dollar went up again to growth
Increased demand for dollars at the end of the quarter sparked appreciation of the U.S. currency in Ukraine by 9 cents.
The last two days have been turbulent for the Ukrainian currency market. On Wednesday the dollar buying rate in the interbank market grew by 5 cents - up to 7.66 hryvnia to the dollar. Opening of Trade on Thursday was also accompanied by appreciation of the U.S. currency - to 13.00 quotes for the purchase reached the point at 7.70 hryvnia to the dollar. However, the closure of the trading session the currency managed to fall in price by 5 cents. Cash foreign exchange market reacted to the vibrations of IBA increased the dollar by 3 cent - up to 7.66 hryvnia to the dollar (the average buying rate in the Kiev banks evening of June 25).
The last two days have been turbulent for the Ukrainian currency market. On Wednesday the dollar buying rate in the interbank market grew by 5 cents - up to 7.66 hryvnia to the dollar. Opening of Trade on Thursday was also accompanied by appreciation of the U.S. currency - to 13.00 quotes for the purchase reached the point at 7.70 hryvnia to the dollar. However, the closure of the trading session the currency managed to fall in price by 5 cents. Cash foreign exchange market reacted to the vibrations of IBA increased the dollar by 3 cent - up to 7.66 hryvnia to the dollar (the average buying rate in the Kiev banks evening of June 25).
In the near future gold price rise will not
According financiers, the yellow metal is increasingly becoming hostage to the price policy for oil. Banking gold in recent times is demonstrated by its own volatility.
According to the expert Ukrhazbank Alexander Okhrimenko, in the near future the price of gold on the international market above $ 960 an ounce does not rise. But to say something definite about the lower threshold price in this situation is very difficult. According to assumptions of specialists, this threshold can vary from 920 to 900 dollars per troy ounce.
According to the expert Ukrhazbank Alexander Okhrimenko, in the near future the price of gold on the international market above $ 960 an ounce does not rise. But to say something definite about the lower threshold price in this situation is very difficult. According to assumptions of specialists, this threshold can vary from 920 to 900 dollars per troy ounce.
How to preserve and increase your capital?
Gradually, the crisis goes on "no", many businessmen have steadily risen to his feet, and some have suffered substantial losses. Whatever it was, do not lose precious time waiting for better times - need to be active: the assets, to seek new opportunities to earn money or find ways to save what turned out to accumulate over many years of successful business activity. Many modern multibillionaire guided long-known truth "penny penny gained."
In the words of a prominent businessman Donald Trump: "If I, with the motivation of the propose for the work of the dollar, it is unlikely someone would work, but if I say that this will take away a dollar, all thoughts of the potential employee will be aimed at its conservation." In this statement certainly has a rational - not to lose what we have now, need to work: to invest in promising businesses, to invest and increase their capital. Most would agree that even such well-known currency exchange, as Forex does not guarantee a high income - rather, the error can lose everything. But good investment so far has helped many business confidence afloat.
In the words of a prominent businessman Donald Trump: "If I, with the motivation of the propose for the work of the dollar, it is unlikely someone would work, but if I say that this will take away a dollar, all thoughts of the potential employee will be aimed at its conservation." In this statement certainly has a rational - not to lose what we have now, need to work: to invest in promising businesses, to invest and increase their capital. Most would agree that even such well-known currency exchange, as Forex does not guarantee a high income - rather, the error can lose everything. But good investment so far has helped many business confidence afloat.
Crimea ready for Russian investment
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Tomorrow, the mayor of Moscow Yuri Luzhkov will arrive with a two-day visit to Sevastopol. Expected to have two cities on Thursday officially be proclaimed sister, and representatives of municipalities will sign a long-term program of cooperation. By the end of the year in Moscow, scheduled to open House of Sevastopol. In Crimea, hoping that the new format of relations would revive the economy of the entire peninsula. However, much as before, depends on the official Kiev.
As Nezavisimaya Gazeta last week Sevastopol delegation visited Moscow City Hall. Taking guests, Luzhkov said of future plans: "We have today agreed to help Sevastopol in solving social problems. Will be prepared for a great program for our cooperation in the following years."
He did not disclose details, but officials explained Sebastopol edition, we are talking about large-scale project, which includes both business interaction and cooperation in the social sphere. "The entire urban infrastructure of Sevastopol, including sewers and water mains, in a dreadful state. Kiev, these issues are not funded. If the money will provide Moscow, it will not only political dividends, but also economic benefits: we are ready to offer the Russian side a number of extremely attractive business projects" , - said one official.
As Nezavisimaya Gazeta last week Sevastopol delegation visited Moscow City Hall. Taking guests, Luzhkov said of future plans: "We have today agreed to help Sevastopol in solving social problems. Will be prepared for a great program for our cooperation in the following years."
He did not disclose details, but officials explained Sebastopol edition, we are talking about large-scale project, which includes both business interaction and cooperation in the social sphere. "The entire urban infrastructure of Sevastopol, including sewers and water mains, in a dreadful state. Kiev, these issues are not funded. If the money will provide Moscow, it will not only political dividends, but also economic benefits: we are ready to offer the Russian side a number of extremely attractive business projects" , - said one official.
Volkswagen invests billions of dollars in automobile production in Mexico
Volkswagen plans to invest a billion dollars in construction engine plant and expand production capacity to release a new model Volkswagen New Beetle in Mexico, the president said the executive board of the German company in the country, Otto Lindner.
Volkswagen New Beetle - a modern retro-car, heir to the legendary Beetle.
"In the next three years we expect to invest one billion dollars in the construction of a plant to produce automobile engines and new models of Volkswagen New Beetle in Mexico" - Lindner said during a meeting with Mexican President Felipe Calderon on Tuesday.
Volkswagen New Beetle - a modern retro-car, heir to the legendary Beetle.
"In the next three years we expect to invest one billion dollars in the construction of a plant to produce automobile engines and new models of Volkswagen New Beetle in Mexico" - Lindner said during a meeting with Mexican President Felipe Calderon on Tuesday.
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