Improved Address

In conflict situation, it will be easier to prove and confirm the handwriting of the parties. 2. For other opinions and approaches, find out what Robert Kiyosaki has to say. Specify the passport details of the parties (borrower and lender). Revisions to the text of the receipt of passport data of the parties shall identify their (often simply write full name, which is not sufficient to identify a person that is mentioned in the receipt is it about this man). 3. Specify the address for registration on the passport and the actual address of residence of the parties. The presence of a receipt address Registration on the passport and the actual address of residence of passport data of the parties, will help you find and fulfill the conditions of receipt. 4.

The amount of money held should be written in figures and words. Since the handwriting in humans different, and may lead to the fact that the sum of the numbers will not understand or Improved the (out of school all know how to tweak some numbers), you must write the amount in figures and words. If you dispute the figures and written by an amount believed to have written the sum rule and ignored it. 5. Establish a maturity of the loan.

If the parties do not specify a maturity or have not determined the time of demand, the debtor must return sum occupied within thirty days from the date of the request it, unless otherwise specified receipt. Such a requirement should be expressed in writing. The parties may agree to register order a refund.

Pay By Touch

Salesforce.com, Lenovo and upek (r) (supplier of biometric security systems) will be among the first companies to cooperate with Pay By Touch. this is to use technology TrueMe, which was demonstrated at the conference Dreamforce, held portal salesforce.com. Pay By Touch was elected to their protection components (including ThinkVantage Technologies and Client Security Solution on Lenovo) notebooks ThinkPad. Marc Benioff (Marc Benioff), chairman and ceo of salesforce.com, said that “when we announced AppExchange, we knew that it is followed by a number of innovative products, both from ourselves and from outside our walls. We are interested in how technology is integrated TrueMe the services we provide. Learn more about this with Robert Kiyosaki. It provides an unprecedented level of safety and convenience of our customers with minimal effort on their part. ” ‘With a simple touch of a finger TrueMe provides technology they need security, while users are so important for them to ease of use, – said John Segal (Jon Siegal), Vice President of Pay By Touch, – TrueMe satisfies both needs (for security and simplicity) without such inconveniences as user IDs and passwords. ” Pay By Touch has certified integrated sensors to scan fingerprint laptops Lenovo ThinkPad (r) T60 and X60, they fully comply with the criteria of safety and reliability. ‘We have already sold over three million laptops with sensors to scan fingerprints, and our customers happy yet one of innovation based on technology TrueMe, enhance their security, “said Marc Godin (Marc Godin), vice president of marketing division, sells laptops, Lenovo. ‘With the approach of Christmas holidays, but in a place with them and the season of mass purchases of gifts over the Internet, our customers are using biometric security technology can be confident in the safety of their financial information, such as never before ‘.

Marketing Tips

It is recommended to use such motives: rational, emotional and moral. By rational belong: the profit motive (economic motive), which is based on people trying to save money by buying sparingly and for low prices goods; health motive, which is used in advertising food, sports products, hygiene products, and the like; motive reliability and security, which is used in the banking and insurance business, when you need to create a sense of the smallest risk. The same applies to advertising of goods for residential use (tools, sewing machines and the like); motive of convenience and additional benefits, which promises to purchase this product. Additional information at Jeremy Tucker supports this article. Rational motives are aimed at the rational buyer who or completely cast advertising, or instantly react to it, provided that it informs and leads his objective arguments for this or that product. Emotional motives "play" on the emotions of buyers. Such advertising treatment is useful for those who only expects to helped them make the right choice (if they have not bought the goods), or to make sure that they were not wrong in choosing (if they have already purchased goods). For emotional reasons professional psychologists include: the theme of love, which is most often used in advertising gifts; motif of freedom, that is man's desire for independence, protect their autonomy in different spheres of life, the motive of pride and patriotism, which is used to increase sales of domestic goods; motives of joy and playful motifs that correspond to human attempts to obtain information in the cheerful, bright colors, motif discovery, which corresponds with the human qualities such as curiosity and their aspirations, the motive of self-worth and self-actualization, which is based on the natural human desire to find acceptance in their communities, achieve a certain status in society, the motive of fear, which is used in all sorts of counter-advertising personal hygiene and the like. Emotional advertising works on a symbolic level.

She does not need evidence. Specialists from advertising believe that advertising is an emotional effect in a series of stress and excitations, and the purchasing of goods precedes the perception, that is, a person, as in other cases, in his own researches and models the subject, and only then the subject becomes its own need or desire. Make a purchase for such people – it means to identify it with its own face, to tell about myself others. Moral motives appeal to the senses of fairness and decency. Scientists, psychologists refer to this explanation: the theme of justice, which is used in advertisements of charitable foundations, community organizations, political campaigns; motive for environmental protection; motif of decency, which is based on conscience, kindness, moral virtues and the like; social motive associated with a particular mezhdunatsionalnym conflicts, disasters, rising crime, stress, society, and the like. Advertising agencies are usually used in advertising campaigns by several motives. Developed using the above of different structures that participate in the campaign, ads will attract new customers, make them supporters of goods of services that are advertised. It is the purpose of any advertising campaign. However, the ad campaign does not exist in isolation from other business activities. It is closely related to marketing, that is the definition of demand, pricing, on products that advertised their development (the so-called technical policy) and other elements of market economy.

Business Games

Recently in our country there is a severe shortage of qualified personnel. Note, that qualified – lack of staff at all. Therefore, many companies are very serious about recruiting personnel, using the most modern methods (to make sure that employ the most suitable candidate), for example assessment center. In world practice, this tool has been used for nearly 50 years, but in Russia application assessment centers began several years ago. assessment Centre (assessment center) is nothing more than a collection of various exercises on the results of which can accurately estimate suitability of candidates for specific job. Typically, an invitation to a candidate for the assessment center comes after an interview with a representative of the employer.

At the interview you as a candidate can only to declare their business skills: leadership, teamwork skills, ability to defend their point of view and interests of the company – the interview is only words and nothing more. assessment center allows employer to verify in practice the quality of your business. The structure of classical assessment Center includes the following components: – A set of different tests, ranging from personal and ending tests. – Self-presentation party for experts and other candidates. – Individual analysis of various situations (case-study). This is usually written exercises aimed at identifying how to identify and analyze information. – Business Games focused on team work in groups of 3 – 5 people. – Self-assessment at the end assessment center. – An interview with an expert on professional matters. Each company creates its own set of components and the sequence assessment centers depending on their needs, as well as time and financial resources. All stages of the assessment center is supervised by specially invited observers – this can be both psychological and Your future direct superior. Observers closely following interpersonal skills: – Ability to find common language with different group members. – The ability to persuade. – The ability to defend their point of view. – Ability to become and remain the leader of the group. – Ability to listen to someone else’s opinion. – The ability to express their ideas. – The ability to express the general opinion of the group.

Tax And Accounting, And Other Extraordinary Divergence

Continued. Concept and classification of costs in accordance with Article of the Tax Code, the costs referred to substantiated and documented costs (losses), exercise (sustained) taxpayer. Expenditures are divided into costs that are associated with the implementation and production, and non-operating expenses. The costs associated with production and sales, include: the costs of voluntary and compulsory insurance, costs for maintenance and operation, maintenance and repair of fixed assets and other assets, and to maintain them in working (actual) state spending on research and development activities, costs associated with shipping and storage of goods, works, manufacture or production, services, sales and purchases of goods (works, services, property rights), the cost of natural resources, other costs associated with the implementation and production.

Costs related to production or sales, can be divided: the cost of paying wages, on the amount of accrued depreciation; on material costs, costs to others. When some of the costs with equal justification can be attributed to several groups of expenditure, the taxpayer may itself determine exactly which group it will carry these costs. Also, the order of allocation of such costs to a particular group of costs is reflected by the payer in its accounting policies. Non-operating expenses. Article two hundred and sixty five ndt Russia in sales expenses include reasonable costs of firms that are not directly related to the sale of goods, services, works and / or production process (Article 265 of the Tax Code Russian). For example, non-operating expenses include: court costs and arbitration fees (paragraphs Ten Section One of Article two hundred sixty-five Tax Code of Russia).

Joint Stock Company

An Open Joint Stock Company has only one significant difference from the closed company, the number of shareholders is unlimited. Therefore, registration of OAO (open joint stock company) is very similar to the registration company. Procedure for registration of when the registration of any legal entity (and the creation of – not the exception) should prepare a package of constitutional instruments. For registration of, you must provide the registering authority application for registration of the decision to create of a receipt for payment of state duty, as well as the charter of. In addition, you will have to pay for charter capital, the minimum size is for the joint stock Society is 1000 times the minimum wage (100,000 rubles). At the end of the state registration you will become a shareholder of established and get your hands on almost the same documents as in the case of registration of company – a certificate of registration and Tax registration, an extract from the register, letters and notices from extrabudgetary funds.

After receiving the documents you need to make a print, opening bank account and notify the tax office. The final stage of registration – issuance of shares and issue registration. This procedure will require you to documents, legal support, patience and a large sum of money. Do not forget that you must provide documents for registration of share issue not later than one month after the registration of. To issue registration you will need the same documents as in the case of the Company. Registration deadline for the registration of JSC is the same 7 days, as registration of any other entity.

Takes a couple of days make a seal and opening the current account. At least one month will issue shares. The cost of registration Registration of going to cost you about as much as the establishment of Joint-Stock Company. Cost of registration is composed of the state fee (2000 rubles), notary services (about 1000 rubles), make a seal (200 rubles), opening a current account (500 rubles). Services legal registration of the company would cost about 9,000 rubles. Slightly more expensive issue – a necessary procedure for joint stock companies. The state fee for registration of a primary issue of shares is 11 000 rubles, legal services during the issue – about 10 000.

Conference Board

The experts suggest that marketers pay attention to the fact that representatives of the Internet audience today than young people, and such are also two generations, as Baby Boomers (those born between 1946 and 1964) and Silver Surfers (over 62). U.S. residents older generations are the most significant proportion of the population and they are now in the Network – emphasize the report’s authors. According to Paul Verna (Paul Verna), senior analyst at eMarketer, the use of the Internet generation baby boomers and those older than 62 years, will continue to grow in coming years. These people also have significant own income and, therefore, provide an excellent audience for online marketers. By forecasts eMarketer, in the next five years, the number of representatives of the baby boomer generation web (that is, those who goes on the Internet at least once a month) to grow by more than 5 million people, with 58.2 million in 2006 to 63 7 million in 2011.

‘Representatives of the generation of diverse, they are difficult to classify, and marketers that are often neglected, focusing on promotion of goods, services, and media among young people ‘- emphasizes Verne. However, he notes, the generation baby boomers have a significant economic strength and constantly refers to the network for solving a wide range of issues. This e-commerce and financial services, travel and entertainment, and health issues, news and user-generated content. The so-called Silver surfers, people over 62 years, also constitute a significant proportion of Internet users in the U.S Their number, according to the report predicts, will grow from 17.7 million people in 2006 to 25.3 million in 2011. This category Internet users, certainly not as plentiful and does not have an influence on the web, as representatives of the younger generations, but they intend to use the network to a wide range of his interests, hobbies, as well as for professional work, stress at eMarketer. Silver surfers are usually known as the ‘silent generation’ – ‘silent generation’ expert notices.

Online marketers bypass such consumer side, because many of these users have retired before computers and broadband access have become a common thing, and their online habits are not as entrenched as that of youth. Nevertheless, I am sure Vern, the economic power of the generation and their growing presence on the web should be ‘awakening call’ for marketers who, you may want to turn their sights on something else. “What marketers should not forget – so it is that the representatives of these two demographic groups have substantial income and spend a lot of ‘, – the expert emphasizes. According to the Conference Board, representatives of the baby boomer generation have an average income of about 10000 a year, which could freely dispose. That’s more than have the representatives of any other generation in the U.S ‘So the focus on young people and lose sight of the representatives of the generation of baby boomers and consumers over 60 years, as do Some marketers, means to lose an excellent opportunity to attract the attention of big, emotional, and various fast-growing part of the American online audience ‘- sure Verne.

American Society

In today's economy to maintain competitiveness in the international market to domestic companies must comply with generally accepted world standards. After Russia's accession to the WTO, the problems compliance with foreign standards will become more apparent. Representatives from many sectors related to the welding business, worried about the compliance of their products and technologies to international standards. Worldwide recognition in the industry has received the American Society of Welding (AWS). This community includes more than 50,000 participants who have united to promote the development of technology, theory and practice of welding. Member society are engineers, scientists, educators, researchers, welders, inspectors, business partners, company executives and employees. AWS standards are in great demand among Russian companies, as shows query analysis in Yandex.

By the popular standards of the society are AWS A 5.1 / A5.1M: 2004 and AWS A 5.5 / A5.5M: 2006. AWS standards include automatic, semiautomatic and manual welding, brazing, soldering solder, as well as issues relating to safety and health. Currently on the market in Russia are not so many companies, these standards have been officially delivered. One such company is a company Normdoks that offers search services and the provision of AWS standards in Russia and CIS countries. Delivery standards is not without a number of related services.

Among them: Translation Standards Since AWS is inherently American society, the text of AWS standards comes in the original language, ie English. Therefore, Russian companies will inevitably face the challenge of translating standards into Russian. Translation standards such as variety of technical translation, is one of the most difficult. Of translation quality standards depends on production, operation, reliability, safety of workers and consumers. Therefore, not every translation companies are able to correctly and is technically true to cope with this task. Normdoks company, having rich experience in technical translation, provides translation services standards. Updating the standards Standard – a document with their life cycle. During the life cycle can vary the content of the standard, its status, issued amendments to it, it can be substituted for other standards. Normdoks company provides services for the updating of standards. The company's specialists Normdoks track all changes to the standards of interest to you and provide you with information about each document and if necessary, deliver the changed actual documents. In conclusion, adding that, in general, from the correspondence of Russian products to international standards depends not only on the state of the domestic industry but the economy as a whole.

Health Food Business

Now an acute problem with food, not enough that every day they rise in price, so more and to taste good or anything, not to mention their usefulness, if any, is … When you eat fresh vegetables, not to mention the import, available year round, do you think that something so they do not, something is missing. Older people remember the "real" taste of fruits and vegetables, so it was the taste, not like now … Believe me, thinks the vast majority. Well, now it's importantly, how to make all of this? Stand "cancer to the top" in the garden, and then sell the products on the market grown? No it is not a business! You say. In general, business can be developed in several directions, we consider two of them. The first method. Organize the supply of fruits and vegetables directly from the village, the village is naturally to be located not far from the City that there was an opportunity to bring fresh products every day.

To open a business to retail space. Since we are creating an entirely new business, modern, and then we will not sell at the market and in the modern supermarket, equipped with the latest technology. Well of course you can by all modest … depends on the initial capital. Recruit staff, order ads and forward to big money. Ie the first type of business is a specialized fruit and vegetable shop, the main difference from the other is fresh and natural products every day.

State Duma Committee

But the producers managed to slow the pace of decline in production observed since September 2008 and March 2009, observed a positive trend in domestic pharmaceutical production. Thus, the first steps to stabilize the market have already been made. ” Indeed, this year is planned to start in January, stopped production on “Krasfarma” The assortment is are inexpensive antibiotics, infusion solutions and blood products. The reason for the restoration of one of the pipelines – a government order for cost-effective and relevant for today’s buyer’s products, increased interest in which is explained by consumer preferences. Sales growth less expensive domestic products and the active position of Russian producers will increase the share of local products production.

Their retail sales tended to decline over the past few years, and up to the 1 st half of 2009 showed an increase. For example, Russian company “Pharmacor” Sotex and Veropharm noted rapid increase in production volumes in relation to the 1 st half of 2008. However, according to the head of the State Duma Committee on Health Olga Borzova, changes in drug prices are less related to economic crisis and currency fluctuations, but mostly – are the result of a lack of effective control of pricing and procurement of medicines in the Russian regions. And to solve this problem, Health Ministry has already prepared and delivered to the Government of the Russian Federation law “On circulation of drugs”, which provides for state regulation of prices of essential drugs. It should be noted that industry associations have tried to convince officials that the document needs a complete revision.