Рынок ипотечного кредитования в 2009 году. А.А.Шинкаренко, Генеральный директ...metrosphera
Рынок ипотечного кредитования в 2009 году.
А.А.Шинкаренко, Генеральный директор ОАО “Пермское агентство по ипотечному жилищному кредитованию”.
IV Камский Форум профессионалов рынка недвижимости
Страхование финансовых рисков лизингодателяAlexey Fedorov
Страхование финансовых рисков лизингодателя - это продукт разработанный нами вместе с Росно в далеком 2002-м, спасибо Мусатову Антону. В общем без этой схемы не появился бы сам Атлант-М Лизинг. Росно, уже под управлением Цюриха, быстро свернет этот продукт в 2003-м.
Рынок ипотечного кредитования в 2009 году. А.А.Шинкаренко, Генеральный директ...metrosphera
Рынок ипотечного кредитования в 2009 году.
А.А.Шинкаренко, Генеральный директор ОАО “Пермское агентство по ипотечному жилищному кредитованию”.
IV Камский Форум профессионалов рынка недвижимости
Страхование финансовых рисков лизингодателяAlexey Fedorov
Страхование финансовых рисков лизингодателя - это продукт разработанный нами вместе с Росно в далеком 2002-м, спасибо Мусатову Антону. В общем без этой схемы не появился бы сам Атлант-М Лизинг. Росно, уже под управлением Цюриха, быстро свернет этот продукт в 2003-м.
El documento describe las principales partes internas y externas de una computadora. Las partes internas incluyen el microprocesador, la placa base, la memoria RAM, el disco duro y la tarjeta de video. Las partes externas incluyen periféricos como el teclado, mouse, unidades de almacenamiento como memorias USB y dispositivos multimedia como impresoras y altavoces. Todas estas partes trabajan juntas para permitir que la computadora funcione de manera efectiva.
Курсовой проект по дисциплине "Проектирование баз данных" (УрФУ, 2013). Автор Мухаметшин Р.Р. Руководитель доцент, к.т.н. Лавров В.В. http://vlavrov.professorjournal.ru
This document discusses approaches to providing Blackboard support at the National University of Ireland, Galway with reduced staffing. It provides context about NUI Galway and the roles of its Centre for Excellence in Learning and Teaching (CELT) and Information Systems Service (ISS) in supporting Blackboard. It then outlines 10 tips for supporting Blackboard with fewer resources, such as going hosted, streamlining support processes, promoting self-help, training other staff, being strategic, and utilizing champions and professional networks. The document concludes by asking what additional tips readers would suggest.
Polymerase chain reaction (PCR) is a technique used to amplify a specific region of DNA through repeated cycles of heating and cooling. It involves three main steps - denaturation to separate the DNA strands, annealing to allow primers to bind to the template DNA, and extension to replicate the DNA. The PCR master mix contains all the necessary ingredients including Taq polymerase, nucleotides, primers, buffer, and DNA template. The amplified DNA fragments are then analyzed using gel electrophoresis.
Informa - Treasury & Inhouse Banking - June 2015Piet van Keulen
This document discusses Informa PLC's in-house banking environment and structure. It outlines Informa's treasury operations including its financial structure, regional cash management, payment solutions, cash management, risk management, and the ambitions and rationale for its in-house bank. The in-house bank aims to streamline funding, simplify processes, reduce banking fees, and empower local business units. Informa provides academic publishing, business intelligence, and global event services to over 6,000 employees in over 100 offices across 25 countries.
Sales sheet TradeSphere Why automate your global trade managementDaniel Jasinski
The document promotes TradeSphere software for automating global trade management. It summarizes the benefits of automating trade processes such as reducing costs from delays and non-compliance, gaining visibility, and improving productivity. TradeSphere is described as an enterprise-level software suite that centralizes trade management and has flexible modules that address screening for restricted parties, export and import documentation, and financial transactions. Livingston offers TradeSphere software and outsourced export operations management to help companies comply with regulations and avoid penalties.
BancoPosta and Customer Engagement - Paolo BaldrigaOpenKnowledge srl
The document discusses BancoPosta's use of social media and loyalty programs to engage customers. It provides details on BancoPosta's Sconti BancoPosta loyalty program, including its large number of cardholders and growing network of merchant partners. It also describes two case studies: a charity deal on Facebook to promote the loyalty program, and Postepay Deals, a new marketplace on Facebook dedicated to BancoPosta's prepaid customers. The document concludes by discussing key advantages of using Facebook for financial institutions and potential future scenarios for social commerce.
The document introduces the "Happiness Budget Card" as a tool to ponder one's happiness across different life domains. It lists 11 domains of happiness: standard of living/finances, governance, environment, health, learning and culture, psychological well-being, community, social support, time balance, and work. For each domain, it poses reflective questions to consider one's level of satisfaction in that area and identify potential priorities to increase overall happiness.
Communication its nature, attributes & purposeAnita Kumari
Communication involves the exchange of thoughts, messages, or information through various means such as speech, writing, visuals, or signals. It is defined as the transfer of information from one person to another that must be understandable to the receiver. Effective communication requires the receiver to understand the exact idea or information the sender intended to transmit. Communication is a two-way process that requires knowledge of language and a meeting of minds between the sender and receiver. It can occur through both verbal and non-verbal means and is a continuous process that aims to exchange ideas, feelings, and knowledge between two or more parties.
This document provides an outline for a 2-hour lesson on oral communication. The lesson defines communication and explains the communication process using Gronbeck's model. It discusses the importance of effective communication and identifies barriers. Students will define communication, discuss elements of effective communication, and perform a communication activity. They will analyze their ability to communicate effectively and receive feedback. An optional enrichment activity involves researching other communication models. The lesson evaluates students' understanding through communication-related tasks.
El documento describe las principales partes internas y externas de una computadora. Las partes internas incluyen el microprocesador, la placa base, la memoria RAM, el disco duro y la tarjeta de video. Las partes externas incluyen periféricos como el teclado, mouse, unidades de almacenamiento como memorias USB y dispositivos multimedia como impresoras y altavoces. Todas estas partes trabajan juntas para permitir que la computadora funcione de manera efectiva.
Курсовой проект по дисциплине "Проектирование баз данных" (УрФУ, 2013). Автор Мухаметшин Р.Р. Руководитель доцент, к.т.н. Лавров В.В. http://vlavrov.professorjournal.ru
This document discusses approaches to providing Blackboard support at the National University of Ireland, Galway with reduced staffing. It provides context about NUI Galway and the roles of its Centre for Excellence in Learning and Teaching (CELT) and Information Systems Service (ISS) in supporting Blackboard. It then outlines 10 tips for supporting Blackboard with fewer resources, such as going hosted, streamlining support processes, promoting self-help, training other staff, being strategic, and utilizing champions and professional networks. The document concludes by asking what additional tips readers would suggest.
Polymerase chain reaction (PCR) is a technique used to amplify a specific region of DNA through repeated cycles of heating and cooling. It involves three main steps - denaturation to separate the DNA strands, annealing to allow primers to bind to the template DNA, and extension to replicate the DNA. The PCR master mix contains all the necessary ingredients including Taq polymerase, nucleotides, primers, buffer, and DNA template. The amplified DNA fragments are then analyzed using gel electrophoresis.
Informa - Treasury & Inhouse Banking - June 2015Piet van Keulen
This document discusses Informa PLC's in-house banking environment and structure. It outlines Informa's treasury operations including its financial structure, regional cash management, payment solutions, cash management, risk management, and the ambitions and rationale for its in-house bank. The in-house bank aims to streamline funding, simplify processes, reduce banking fees, and empower local business units. Informa provides academic publishing, business intelligence, and global event services to over 6,000 employees in over 100 offices across 25 countries.
Sales sheet TradeSphere Why automate your global trade managementDaniel Jasinski
The document promotes TradeSphere software for automating global trade management. It summarizes the benefits of automating trade processes such as reducing costs from delays and non-compliance, gaining visibility, and improving productivity. TradeSphere is described as an enterprise-level software suite that centralizes trade management and has flexible modules that address screening for restricted parties, export and import documentation, and financial transactions. Livingston offers TradeSphere software and outsourced export operations management to help companies comply with regulations and avoid penalties.
BancoPosta and Customer Engagement - Paolo BaldrigaOpenKnowledge srl
The document discusses BancoPosta's use of social media and loyalty programs to engage customers. It provides details on BancoPosta's Sconti BancoPosta loyalty program, including its large number of cardholders and growing network of merchant partners. It also describes two case studies: a charity deal on Facebook to promote the loyalty program, and Postepay Deals, a new marketplace on Facebook dedicated to BancoPosta's prepaid customers. The document concludes by discussing key advantages of using Facebook for financial institutions and potential future scenarios for social commerce.
The document introduces the "Happiness Budget Card" as a tool to ponder one's happiness across different life domains. It lists 11 domains of happiness: standard of living/finances, governance, environment, health, learning and culture, psychological well-being, community, social support, time balance, and work. For each domain, it poses reflective questions to consider one's level of satisfaction in that area and identify potential priorities to increase overall happiness.
Communication its nature, attributes & purposeAnita Kumari
Communication involves the exchange of thoughts, messages, or information through various means such as speech, writing, visuals, or signals. It is defined as the transfer of information from one person to another that must be understandable to the receiver. Effective communication requires the receiver to understand the exact idea or information the sender intended to transmit. Communication is a two-way process that requires knowledge of language and a meeting of minds between the sender and receiver. It can occur through both verbal and non-verbal means and is a continuous process that aims to exchange ideas, feelings, and knowledge between two or more parties.
This document provides an outline for a 2-hour lesson on oral communication. The lesson defines communication and explains the communication process using Gronbeck's model. It discusses the importance of effective communication and identifies barriers. Students will define communication, discuss elements of effective communication, and perform a communication activity. They will analyze their ability to communicate effectively and receive feedback. An optional enrichment activity involves researching other communication models. The lesson evaluates students' understanding through communication-related tasks.
2. Срок страхованияипериод
использованияв полисеОСАГО
В правом верхнем углу полиса ОСАГО вписывается
«Срок действия договора ОСАГО», и он ВСЕГДА
составляет 1 календарный год.
Период использования указывается в следующей строке
полиса и указывает на месяцы? в течение которых
автовладелец будет пользоваться своим ТС, а страховщик
нести за него ответственность. Если водитель планирует
пользоваться автомобилем весь год, период
использования совпадает с годовым сроком действия
ОСАГО.
3. Ограниченныйпериод использования
ПолисаОСАГО
Но далеко не все автовладельцы эксплуатируют свое ТС
круглый год. Ограниченный период использования
(несколько месяцев в году) часто применяют:
• «подснежники», использующие машину исключительно
в теплый период года;
• те, кто планирует в ближайшее время продать ТС;
• автовладельцы, отъезжающих в длительные
командировки, отпуск и т.п.
4. Зачемприобретать полис с ограниченным
сроком действия?
Продолжительность периода использования напрямую
влияет на стоимость полиса ОСАГО. Чем меньше
месяцев в году водитель пользуется своим авто, тем
меньше для него стоимость страховки ОСАГО.
5. Ключевой недостаток ограниченных по
сроку полисов:
Если водитель стал виновником в период не
предусмотренный полисом ОСАГО, то страховая компания,
возместив потерпевшей стороне ущерб, выйдет в суд с иском
в порядке регресса к такому виновнику. Для потерпевшей
стороны главным остается, что ДТП произошло в период
срока действия полиса ОСАГО.
Кроме этого, если водитель использующий полис ОСАГО с
ограниченным периодом действия, будет остановлен
сотрудниками ГИБДД в период, не предусмотренный
полисом, он будет оштрафован, а автомобиль помещен на
штрафстоянку.
6. На данныймоментстоимость полиса
ОСАГОможнорассчитать для 3-х категорий
транспортных средств:
1) для ТС, зарегистрированных на территории
иностранных государств.
2) для ТС, следующих к месту регистрации
(транзитников) или на прохождение техосмотра.
3) для постановки ТС на учет в органах ГИБДД и
дальнейшего использования на территории РФ.
7. Узнайте, как получить максимум денег
от страховой компании.
Подпишитесьнанашурассылку!