I wonder who and under what conditions might find the insurers' proposals presented in the article attractive? Up to 15% of the contribution is spent on expenses, the profitability is lower than on deposits, and the risks are higher, since the guarantee of 100% (and for some even less) return will be fulfilled only if the insurer does not go bankrupt, because the state DIA will not help, as in the case with banks.

November 30, 2012, 15:08 / Finance Facilitating access to the bond market should allow microfinance organizations to reduce loan rates Andrey Bakhvalov A year ago, the topic of microfinance organizations entering the public borrowing market was of particular relevance in financial circles. Experts were quite skeptical about this possibility, once again turning to the populist topic of the failure of the MFO market.

November 30, 2012, 19:56 / Business Media: British Tory sponsor may buy The Independent from Lebedev Yulia Kotova British millionaire David Rowland, who finances the Conservative Party (Tory), is in negotiations to acquire the newspapers The Independent and Independent on Sunday, owned by the family of Russian businessman Alexander Lebedev, the Telegraph reports, citing sources.

Rosneft Oil Company was the first state-owned company to comply with the government's request to pay dividends in the amount of 25% of net profit according to international standards. At an extraordinary meeting on Friday, the company's shareholders approved additional dividends for 2011 in the amount of 4.08 rubles per share. Thus, a total of 41.928 billion rubles will be allocated for these payments.

Until recently, a car enthusiast's dream was a set of automatic transmission, air conditioning, and electric windows. An almost imperceptible update in the technical equipment of the beloved capital's SUV BMW X6, which started on M-series cars, has been causing headaches and unexpected expenses to the owners of this car for several months now.

I have always been one of those who are called grammar nazis in English-speaking countries. Perhaps I am already a nazi on all fronts, since I am irritated not only by grammatical errors in my native language (those who put extra commas are especially terrible - this is much worse than skipping commas), but also by dullness, darkness and ignorance in general, a lack of culture and knowledge, and most importantly - a willingness to live with this deficiency.

3. The LDPR proposes to fine truck drivers 10,000 rubles. for traveling on the Moscow Ring Road 6 LDPR deputies plan to introduce amendments to the Code of Administrative Offenses to the State Duma in the near future, providing for the introduction of fines in the amount of up to 10,000 rubles.

November 30, 2012, 12:31 pm / Management Social networks for doctors appear in Russia Entrepreneurs hope to make money by attracting advertising budgets of pharmaceutical companies to social networks for doctors: the state has seriously limited the opportunities for communication between pharmacists and doctors Elena Gorelova Fotolia / PhotoXPress Over the past three years, professional communities exclusively for doctors have been created on the RuNet: “Doctor at Work”, “Medtusovka”, “Doctors

Two high-ranking officials of the Chechen Ministry of Finance were dismissed following the results of a prosecutor's investigation, the Prosecutor General's Office announced on Friday. “During this inspection, numerous violations of current legislation were identified, including those that were discovered during previous supervisory activities,” the release says.

In the near future there will be no global emergencies that could lead to the “ end of the world,” said Minister of Emergency Situations Vladimir Puchkov.

S. Porter / Vedomosti The pension reform strategy, which was promised to be formulated by December 1, is almost ready, Deputy Prime Minister of the Russian government Olga Golodets announced yesterday at the Government House. According to her, the pension reform assumes an increase in the minimum pension period (which gives the right to a pension) from the current 5 to 10 years.

The growth of indices on the last trading day of the week and month was ensured by both unexpected news from Japan and hopes for a positive outcome of the budget situation in the United States and with Greece in Europe.

The Defense Ministry has confirmed the appointment of former head of the Federal Service for Military-Technical Cooperation (FSVTS) Mikhail Dmitriev to the post of adviser to the head of the Russian military department, Defense Minister's press secretary Darya Zatulina said on Friday. The Kommersant newspaper reported on Dmitriev's appointment as an adviser to Sergei Shoigu, citing a number of unnamed sources in the central office of the military department.

It is enough to cross the threshold to understand why these establishments are called by the dog word "shelter". Stifling steam pours out of boots, legs in ski socks smelling of Savoy cheese hang down in the aisles. Tourists in dreadlocks toss and turn on bunk beds, guides in earplugs sleep in a ball like sled dogs. The cook cooks a stew, which at two o'clock in the morning will become dinner and breakfast at the same time.

In October 2012, spending by the US population decreased by 0.2%, but income did not change, according to data from the country's Ministry of Commerce. Meanwhile, analysts polled by Bloomberg expected revenues to rise 0.2% and expenses to remain flat last month. In September, Americans' spending increased by the highest 0.8% since February, and their income by the highest 0.4% since March.