Psychological Portraits

Teaching professional collectors, security officers and credit managers, within the framework of "learning centers collector, found that convenient for the practical application of psychological typology Debtors are still unavailable. Attempts few authors have reported their achievements or psychological in nature, that is, to classify using criteria weakly related to personality characteristics the debtor, or, conversely, overloaded complex psychological tools that make them suitable for use only in the offices of professional psychologists. At the same time, workers of the front collection of debts say that they need in a practical application of the typology of troubled borrowers, as it facilitates the choice of strategy and tactics of influence on them. As a result, generalizing the practice of various models in of the collectors I developed a convenient model of typology, which contains the criteria, the evaluation of which allows the debtor to include one of four types. Of course, each of them has subtypes, but familiarity with them is not fit into the scope of this article, therefore, restrict the overall typology. The first criterion – this is the level of mental activity of the debtor.

It is defined as an integral characteristic of the psycho-emotional tone of a man. Extremely high level of mental activity corresponds to the so-called manic phase, and extremely low – the depressive phase. Between these two poles and is the whole palette of levels of mental activity of the individual. Each one of us is inherent in a sector of the scale, in which we are a big part of life, depending on their temperament.

Band ATR

The presence of various instruments used to adjust the analysis allows a trading strategy trader in continuous changes in the market situation. There are hundreds of mechanisms, methods and indicators that may be applicable in a trading strategy. Not recommended to use too many methods analysis, as this could cripple the trader at the critical moment when it is necessary”to pull the trigger”for market entry (or exit the market). Markets change their status and traders need to constantly adapt to them at the right time. Tenneco understands that this is vital information.

Knowing how and when to use certain tools can help to increase the advantage over the bulk of traders. Most trading platforms have built-in tool , so trader must not make calculations by hand, resulting in reduced probability of error. Consider what kind of indicator Average True Range (ATR) and how it is calculated. ATR is the average true range over a given period. True range will be greatest in the following cases: * When the difference between the current high price (high) and the current lowest price (low) * If the difference between the current high price (high) and the previous closing price (close) in the case of Gap * When difference between the current lowest price (low) and the previous closing price (close) in the case of ATR gap is calculated based on the average of the true ranges for a fixed number of previous time periods. Brian Miller can aid you in your search for knowledge.

The main thing – the use of variables for the value of this time period, which would not be too long or too short. Author of the article found that the use of numbers between 9 and 14 for this value (number of previous time periods, are taken into consideration) works well with a large sample size (the values of prices for selected time ranges). Author of the article uses the schedule to daily bars to calculate the average true Band ATR for those markets in which it trades, and not an intraday chart (5 -, 15 – or 60 – minute).

Business Development

This tool allows you to refinance both the bank that issued the mortgage, sell this loan refinancing organization (usually a large bank at the federal level, which specializes in buying pools of mortgages). Before the crisis, major Russian banks access to foreign financial the market was easier, lending rates are much lower. Today, our creditors became difficult to raise money for the West to finance mortgages in Russia, we have to look for money in the domestic market. " "Appreciation financial resources has led to increased interest rates on mortgages for some Russian banks ", – said Sergey Denisov, head of credit Kirov branch of Sberbank. According to Sergei Kreknin, Director of Business Development "Credit atelier," one of the causes of rising interest rates – is the risk of a possible devaluation of the ruble. For example, if the summer of 2007, some banks lend at Kirov 10.75% by the end of , this bar has risen to 13%. According to Sergei Denisov, "Sberbank is enough equity in order to not raise rates on housing loans." Depending on the loan term, type of support and share borrower's own investments rates range from 11 to 12%. It is known that over the past two years, rates on loans to the Savings Bank of the population were substantially lower – by about 30%. IzhLadabank continues to lend at rates higher than the city average (13-16%). Loans are granted at the expense of customer deposits, the money for other lending institutions that are not used.

Banking Department

First, it should be articles on the topic of investing. General information – terms, concepts, mechanisms and strategies. All the obscure details and nuances you can ask people – Visiting, for example, one of the forums devoted to this purpose. Search the forum sections headings devoted to beginners investing activities, and other topics of interest to you. Tie a familiarity with users forums. If possible read one or two benefits or a book.

Visit some popular Internet resources on this topic, gather enough information written in accessible and understandable language. Subscribe to relevant Internet mailing … And most importantly – do not be afraid to seem inexperienced. Because each of us took suitable training before becoming a specialist. The fifth stage – the specification of investment strategy. Now you need to decide which direction to invest for you? What level of risk is acceptable for you personally? Are you prepared to risk chasing a large percent of the returns, or to start taste safer methods of investing? Choose a mutual fund, OFBU or start from bank deposits? Which tool investment, one of those that you learned about the fifth stage, looks the most suitable for you? What do you know about the level of its risk and return, what are the main indicators are inherent to it? Naturally, at the primary level is preferred less risky investments, preferring to bank deposit programs or at least respected credit unions. In the meantime, continue to gather information.

Ask for a start, principles and modalities of work: – Mutual Funds (SIF) of all kinds and types – general funds Banking Department (OFBU) – Gold Deposit – unallocated bullion accounts (CMI) – this year promises to be the most profitable investments – Asset Management (DM) – the organizations providing services management trusted them with the means to gain profit. – Credit Unions (COP) and other organizations working with the involvement of investors. If the services of any company providing services to cash management are like you – do not hesitate to ask all about your products and services. Do not forget, you trust them with their money. Maybe in the early stages and smaller, but still money. Make sure you know all about this company – how it invests, where, how, what its assets, the period of … Companies offering high interest rates, at first to be subject to you concerns. Do not forget the bitter experience of the MMM and similar pyramid schemes. First and foremost, pay attention to companies and organizations operating in the investment market for quite a long time and won a credibility. Do not start with large amounts – it must be remembered that almost all investments are inherent risks, and risk once large facilities – a dangerous occupation. Therefore, start small, at least at first. Live life of the investor, learn about the major pitfalls, then proceed with the serious action and the amount. Thus, step by step, any of us with a corresponding desire can achieve some results in the field investment. What exactly – it depends specifically on each of us. Efficiency, success and harmony to all!

Sell Commercial Property

For owners of commercial real estate – exclusive information support of your proposal in the print media of Volgograd and the Internet. This site contains reliable information on commercial property, exhibited by sale and to rent. Options for rental and sale of commercial property, offices, warehouses, regularly updated and corrected. This means that you can track all changes in the market commercial real estate prices and trends. On our site you can find the latest news real estate market, including commercial. We have also presented and analytical materials on buying, selling and leasing commercial real estate. The database is represented by commercial real estate for all major types: office, warehouse, commercial real estate from the leading companies in this industry.

Thanks to the Base commercial real estate, you can easily find and make correct choice of office, warehouse or commercial space, choose the most appropriate to your condition to rent office space. You'll also find a large list of suggestions: office rental, rent office buildings, rental of commercial space. In a highly competitive and comparative lack of space commercial real estate in Volgograd is impossible to do without the services of a professional realtor. Commercial property for sale in recent times become more marketable transaction. Buying and selling space, value for money in commercial real estate has long been a lucrative business of Volgograd and the Volgograd region. Buying or selling a commercial Real Estate aims to future profits.

Experts predict the price of commercial real estate will continue to rise, because demand still exceeds supply. And because construction of new buildings and will gain momentum. In order to effectively search for proposals for the sale and leasing of office premises using modern IT-technology and systems combined with advanced communication strategy to promote the objects. With the online-application, you can request a search for office rental or sale, as well as to offer their premises for sale. In addition to our clients real estate company "Kvadrametr" provides professional advice on marketing, analytics, expert assessment of projects in commercial real estate sales and rental offices. Our experts will select the best object of commercial property on purpose, price and conditions of sale, coordinate and solve all questions valuation of the object, transfer of rights to object, will prepare a full set of documents. Professionalism of Realtors, a vast, constantly updated database of objects and individual approach to customers – a guarantee of successful cooperation. The difficulty is that commercial property to satisfy the maximum on all counts: the area of the city, distance from any cultural centers, room size, layout, its location within the building, floors, price and more. This is a very difficult task, with which we help our customers cope.