Tag Archive: finance

Information Article About Whether To Participate In Public Procurement In

What is government procurement – to explain today, perhaps no one should. Everyone knows that the state at regular intervals announce tenders for the supply of goods or services. At the same time it wishes to sort out the many offerings of the market and take the most optimal solution – a middle ground in price / quality ratio. Tcoyd has compatible beliefs. It should be noted that recently there are cases when the state order is placed no in order to obtain any goods and services, and to search for fresh ideas and totally new solutions to various problems. Again, this is understandable: such a state order identifies the most promising participants indicates about their ability to creatively and consistently think. If we talk about the features of public tenders, it is first and foremost, we would like to mention two very important points.

Government order, as opposed to private tenders aimed at finding specific suppliers of goods or services. Government purchases differ clearly the formation of the problem, under which further selects the most cost-effective solution, while the private tenders represent a collection of ideas and a kind of feeling out of the soil. As mentioned above, in some cases, auctions are held to find new techniques and technologies, but in any case, the government is not inclined to stop halfway, as so often happens with independent organizers of tenders. It is a pity that the government purchases often are the cake, of which seek to tear off a piece of even the officials who occupy very small office. As result, customers do not pay absolutely no attention to the quality of goods and services, guided by the principle of 'better than the cheaper'. This is particularly true for municipal customers, from which often published orders for the landscaping of the settlement and other similar work. Living in almost every town know what's going on in the end.

One solution to this problem is a sound approach to search for artists and an understanding that the state order – this is one of the most effective ways to achieve budgetary savings, but not a new 'feeder'. Whether to participate in the struggle for state jobs? Simple question, as uniquely correct answer to this question does not exist. Despite all the current deficiencies, the state order has one important advantage – it allows bidders fully protecting their interests. In Russia, until now practice, the choice of winners 'an acquaintance' and 'pull', however, can not deny the fact that in recent years, the situation is improving. Under the influence of the center and new legislative initiatives, officials are slowly but surely moving away from usual method of work, you begin to fair and objective tenders, in which the winner is actually the strongest. In many ways, the changes are explained by the fact that public procurement become trusted third party, authorized by the companies, freed from most of the disadvantages of the bureaucratic system. Government purchases for any business – it's a great way to reach new frontiers, to strengthen its position in an unstable financial situation, to expand the boundaries of activity. Should not refuse to participate in government procurement, exactly as on the most reliable partner – the state.

The Prices

Do not buy stocks at the end of the year because it is usually an increase in prices and cost them more expensive. Best time to buy shares in this January, when there some decline in prices. But this does not mean that within a year disadvantageous to the purchase and sale of shares.

Buying shares at a price less than $ 1 note, how many of these stocks are bought and sold. Nieman Lab may help you with your research. If this number amounts to several tens of thousands, then I would not advise them to buy, because even a small profit that you want to get make you wait long queues for sale. But it’s up to you. Buy shares of world famous companies, which are heard everywhere and you know. For example: Microsoft, Ford, Xerox and dr.No while also not forget to look at a graph of the prices of these stocks for the week, month, quarter or year, 2 years to make up proper representation and to maximize the safe side. But the risk still exists, it must be remembered, so do not neglect to the top of my advice, especially the first three.

If you wish to immediately sell your shares, we should look for how much they want to buy a partner, standing first in line to buy. If you are satisfied with the price – to sell. Do not panic if your shares are falling for a long time. Remember that the day will come when they will go up. And your small investment will help you educate yourself with patience and forbearance. Because you have nothing to lose. Do not sell shares at a price lower than that for which you bought them. In addition, gradually accumulates knowledge by reading and studying popular literature, getting used to the vocabulary of exchange terms, which can be easily found on the Internet. Later you can move on to more complex and serious problems related to the work of the exchange. ps I suggest you use these tips into practice. So you will have interest in the study of literature, but otherwise you’ll be tangled up in terms of large, obscure texts, mainly targeted at people who know. You may be immediately alienating. And again you tell yourself that it’s not for you and it’s hard. You are worse than those who engaged in this business? You are not stupid, and maybe even smarter than many. Only you do not have some knowledge that if you wish you can purchase. So go! Go ahead! Do everything with a ‘mind’, thinking, analyzing, and all you get. I guarantee you that.

Mutual Funds Buy Cheaper

Investment savings is becoming increasingly popular. Whether the one-time a higher amount, or the continuous one SAVE MONEY – those who invest in the right mutual funds, has a longer duration in most cases a higher return than with a conservative banking system. But what are the right fund? Most people go to your bank can advise there and then buy their mutual funds there as well. This advice has its price. Investment funds are generally managed professionally and for this management called a management fee is calculated, which can vary depending on investment policy and the associated costs for research and management in equity funds, for example between 0.5% and 2% per year.

For bond funds, or even in passively aligned to an index fund, the fee is usually slightly lower. The biggest cost is the so-called fee, which moves in bond funds between 2% and 3%, and equity between 4% and 6% of the fixed sum. This Fee is in most cases completely to the intermediary, so the advisory bank, so that covers their consulting fees. Who can do without such advice and chooses its own funds, can buy at one purchase on a direct its funds with a discount on the fee and save you money. Even better is the direct purchase of the Fund over a free agent funds over the Internet. This does not include the fee for the most part entirely. The results for example in an equity fund with a 5% sales charge on an investment amount of 10,000 a saving of 500 !

Loans – Good Or Evil ?

Who has not, it starts over with a car dealer hp car or a nice flat and you think who that great if I could afford it but I can not find the wherewithal. Remedy as loans. These are lending money with an institution or a private person. The difference is mostly in the fact that you have to pay interest to the Institute, with a friend usually does not. When personal loan there are a lot of smaller sums.

However, if you at a bank or savings bank gets a loan must be repaid within such a period, plus the required interest. The repayment is done in monthly installments, which can be determined either by itself or be required by each institution. There are many types of loans, there would be one of the construction loan, car loan or personal loan. Even a hire-purchase is a form of the loan. There are of course other forms of credit, the most important have been mentioned. Pay attention to the consumer, however, at low interest rate which banks make promises like advertising. At Interest, a distinction between nominal interest rate and APR.

The latter is the one you really need to pay and is above the nominal rate. The banks, however, like to advertise with the nominal interest rate, then the surprise comes, however, only before making the signature. Reference should be trusted and reputable banks and savings banks always ask for the APR. As you can see is the topic of credit one thing for themselves. Make no mistake should be to consult an independent financial adviser or obtain at the Bank of confidence, the necessary information and thoroughly discussed.