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Kirzhach Estate

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Design Trust Property Professionals One of the most important moments in life of every person – buying a home! Even more correct to say – to buy a house – the place where you want to go back where you want to live in happiness, love, and to generate forces to create a new, necessary, useful. And it is very important that this CORRECT time passed, both emotional and legal terms. After a weighty loss as wrong decorated apartment, it will be difficult to survive in the material sense! Who can be trusted to draw the most expensive – it's up to you, dear customers, but of course – it's legal practitioners who are learning every day and draw up real estate! With us, subscribe or buy an apartment in Kirzhach – easy! After all, our real estate agency in Kirzhach 'GRANDE REALTY "engaged in such transactions as buying and selling real estate in Kirzhach and paperwork and real estate. Frank Armijo has much to offer in this field. During this time, we realized that the decisive factor in the selection of housing is, oddly enough, the women's 'like – not like'. In the end, you live there and come back every day! Well, women feel more acutely the whole range of emotions, because, though they have each day to care about life, about comfort, the convenience and desires of the family.

Also, in recent years, we notice that more and more women are not only decide where to buy an apartment, but on their shoulders lies the question of what to buy a house, land in Kirzhach. Men, you should think! Next step: the formulation of the property, and when you make documents the main thing – it's the story apartments, land, real estate and professional registrar, a notary or lawyer. Our lawyers use a simple, worked through the algorithm design – well-formed Documents at the right time in the right authority, and your property will be issued in Kirzhach time and without mistakes. What are the benefits you receive? You'll save time and money! Registration of real estate lay person consuming enormous amount of time: the formulation of apartments, houses, land in Kirzhach takes from 3 to 6 months. With self-registration of the property is worth at this time to take a vacation, well, or at least take time off from work.

Next, you will have the pleasure to immerse your head in the study of law, in consultation with the registration authorities and directly to the paperwork, and of course, with a thoughtful work, get a 100% result. But if you still, work for six months nobody is going to go, and spend months learning what life is rarely used, is not desirable, we take the design of the property in Kirzhach and Kirzhach district in the themselves. And do it as soon as possible and without errors! Sincerely, Real Estate Agency 'GRANDE REALTY. "

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Java Products

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However, this leadership is very conditional and depends also on the political situation. Among all the channels RBS particularly promising for this region is mobile banking. Mobile communication has a very high penetration in all countries, here we add the benefits of SMS and USSD-channels and get a fairly cheap way of banking. Technically, a mobile bank is a collection of several products: from a very simple Java-client and SMS-channel applications to thin clients and smartphones. Depending on the preferences of the bank's supplier can offer one product, and their combination.

Unfortunately, the level of penetration and stability of the Internet remains quite weak, so – good old SMS and IVR channels are more effective than current solutions in Russia and Europe, designed for broadband Internet access. GEMINI line includes the full range of products for mobile banking – the significantly upgraded making the 90-ies, based on SMS and Contact-centers – to modern channels of DBS on smartphones and iPad. Taking into account the local conditions in each Central Asian region will certainly be changes in products and to meet the exigencies of the Bank – in the end implemented solutions. A powerful movement GEMINI line to the Central Asian region is already noticeable in Kazakhstan and Uzbekistan. Let us hope that in other countries in the region will eventually be found interested lenders, which is explicitly stated in the concept of product development in 2011 (this concept can soon be found on the resource).

In conclusion, the future development of banking services and products in Central Asia will inevitably lead to a clear orientation on DBS channels. This is not only an image or reduce queues in the offices, but also the obvious opportunity to automate a huge number of customer self-service functions (for both corporate and retail customers). And it means: Minimal own costs of banks to hold in the RBS of all payments and transfers, new channels to market, minimizing the costs of providing common services (receipt of loan applications, processing deposits). For Central Asia it is still possible relatively painless, making Internet bank first-generation systems such as Web 2.0 (More details on trends in Web 2.0 can be found in LiveJournal in the account Gemini_Banking). Therefore, despite the late start, here it is quite possible accelerated development. Let's hope that the products GEMINI (and other products RBS) will undoubtedly positive impact on the banking market in the region.

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Economic Cycles

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Properly assess the meaning of changes in the currency or stock market, as well as the overall economy, helping knowledge about economic cycles. Development of economic processes are cyclical in nature: growth necessarily accompanied by a decrease followed by recovery and new growth. Economic cycles – are periodic fluctuations in the levels of production and consumption (supply and demand). Usually, the dynamics of economic Development (cycle) varies according to the following phases: 1.Retsessiya (Recession) or decline. A reduction in business activity, falling production, reducing employment and income.

Depending on the degree of economic decline and time factor, the recession, distinguish the crisis and depression. Crisis – it is an imbalance in the economy, causing the reduction and suspension of production. Depression – a period during which gradually diverges excess goods, often at very low prices, and take a substantial period of time. 2.Vosstanovlenie (Recovery) or animation. Going rise in economic activity, the beginning of a significant increase in production. 3. Development (Expansion) or continued growth, typically include a cycle recovery and boom. The rise – the recovery period the pre-crisis level of industrial production, during which prices rise, profits, wages, resulting in levels of production and employment are gradually increasing up to full employment and full capacity utilization, usually comparable to the pre-crisis loading and employment.

Boom (peak) – is characterized by full load production capacity, high employment, a very high level of prices, wages. Typically, economic growth during the boom exceeds the level achieved in the previous cycle. The economic crisis that gripped the economy in 2008 virtually all countries in the world, as is known, began in the financial and construction industries the United States. In many media by different charges against management at the U.S. short-sightedness, greed, etc., but if you approach current crisis from the standpoint of the theory of economic cycles, the guilt at the beginning of the U.S. there is no crisis. Crisis – it is an objective reality in the economy, simply, it could happen a little earlier or later, but it would happen required. In the U.S. there is the National Bureau of Economic Research (NBER) (National Bureau of Economic Research – NBER), which is engaged in research and analysis of economic cycles and indicators. This question is very complicated, it all is that economic indicators characterizing the state of the economy, by its nature can be divided into three large groups – it is leading indicators, coincident indicators and lagging indicators. Almost any figure may be regarded as a one group or another, but the degree of accuracy of different indicators in relation to the stage of economic cycle (economic trends) can be different. To accurately evaluate the economics of one or a country, we must determine the phase of the cycle and compare the main economic indicators – GDP, inflation, the size of reserves, discount rate, public debt, the state balance of payments, the unemployment rate. Just at the time of writing (December 12 2008goda) NBER in its methods stated the official start of recession (recession) in the U.S. economy. The main factor in this definition was that that the fall in real GDP in the U.S. lasted for two consecutive quarters in a row. Hence, it remains to survive the depression (and possibly short-term type, the crisis will be without depression) and will welcome recovery.