Everyone wants to tie us together, in a way that we do not macanych escaped from the hands warm relationship. Where one senses the financial interest is a benefit for one person only.

For this, which has assets of our loyalty on the profits. And so the marriage is a person who gives, and is also the other party that takes. It is a decree in the form of marriage, so it is in a supermarket that a loyalty card to get recharged, the points for which they earn will be able to buy something at discounted price or even sometimes for free.

The mechanism of give and take is factored to one who is on the side of loyalty was to profit from this. At the bank. No loss, because such loyalty to him would not be included.

There are legitimate business and the benefit is mutual, but it’s really rare that someone does not feel used or loaded in the proverbial bottle. Loyalty pays, but pays for itself. Well, maybe not forever, but for some fair-time.

There is no reason to complain and curse every morning when you do not have to scrape the car windows. The temperature is always positive and makes the optimistic impression that so far the winter will not. A more Fall decided to reign in December and January, than to pass on that throne for the cold winter.

Feel only disappointment of children who would like to revel in the fresh snow and have fun with throwing snow balls. Adults feel the peace that will not be ice on the roads and sidewalks and will be less work for salting of streets and orthopedics departments across the country. Even so, there will be some who will complain, because there is no work for them due to lack of decent winter. Not satisfied with all. But let’s look at an average savings of Smith, for whom the lack of winter will be paid: – small (firmly) heating bills; – saving on buying winter shoes for the whole family – may spend more time outdoors, and thus need not be included TV, computer, lights – saves on electricity-not otherwise specified, Ana coming to me now to mind the case material and not material;

We are not afraid of winter, just remember the -17 degrees in January of a year or two ago, when it was a ride:)

Offer a credit to someone is recently very easy, unfortunately, the possibility of its receipt by our client is another matter. Sometimes, his ability is pure fiction. You can not pay attention to the rich environment in which they live, should focus mainly on the cover future liabilities.
Hard to explain that the gross monthly salary 10.000PLN not receive the credit, and this is a simple reason. Existing commitments 25.000PLN reach the ceiling of monthly balances cost-expenditure.
In my opinion, just as not everyone must have a driving license in the same way not everyone is able to hold the loan, especially a new one. Reflecting perhaps drastic consequences associated with exposure of my person and prztyczki unpleasant attacks on the nose. Client tries to convince his reason, he’s not going to pay off my debts and not criminally responsible for. On my knees begging does not help, sometimes there are less individual financial institutions and routinely assign loan agreements, under pressure.

December 5 this year, Verona hosted a conference “Europe open: a dialogue on women’s entrepreneurship. Famous Poles and Italians discuss politics and business. “

Experience of barriers and challenges of being behind the head of companies shared m.in: Irena Eris – the founder of Cosmetics Laboratory Dr. Eris, Olga Grygier – Siddons – Chairman of PricewaterhouseCoopers Poland, Solange Olszewska-president of Solaris Bus & Coach Poland, Joanna Smolińska president Antalis Poland, Joanna Szymanska-Bulska, member Zarządau Bioton, Katarzyna Niezgoda – President Deni Cler and Joanna Pruszyńska – Witkowska, President Headlines Porter Novelli. Among the participants were also representatives of Italy’s most prosperous businesses and a woman known in the economic and political scene in Italy. Conference hosted by Dorothy Warakomska.

40% of employed women in Poland, but only about 4% of women both in Poland and in Italy occupies prominent positions on the boards – what are the reasons for this state of affairs? Why is management so often we men and women “are on the reserve bench”?

Panel Participants acknowledged that they are guilty of this barrier and restrictions, which split into:

- Existing among women themselves – often women themselves prefer to be led by men, women lack support for women, a significant problem is the lack of faith, women in their own abilities

- Existing in the external environment – the cultural development of women to be serving, supporting and not the rival, the women as more willing to make sacrifices for the family, the men take a lot of strategic decisions on the “male, informal meetings,” and still far too little support women in the pursuit of self-realization and sharing in family responsibilities

It also happens so that women carry the company through an important, difficult to change (restructuring, mergers), and after reaching to thank them and being degraded, and takes her role of Joanna mężczyzna.Zdaniem Pruszyński – Witkowska, barrier is the fact that “we have a new generation into the labor market, for whose career in the corporation is no longer the fondest dream, young people put on the development and fulfillment, not necessarily involving the acquisition of further career ladder. “

Participants of the meeting recognized the need for actions to encourage women to give them support, positive patterns, and inspiring. According to Ms. Szymanska – Bulski existing records of places for women in listed companies do not bring results, they should be placed on an a la parity.

“We want to deepen, and diversify activate the cooperation of Italian and Polish entrepreneurs in various fields: economic, educational, trade, marketing, technology and other” – wrote in a joint declaration.

The debate was held in the Polish Presidency of the EU and under the patronage of: Polish Embassy in Rome and Les Femmes organization FCEM Chef d’Entreprise Mondiales.

The Earth has always been associated with stability and certainty. No wonder that in these difficult times, Poles are more likely to choose just investments in land.

- Interest in the land market in Poland is growing. In the first half of this year at the Poles invested through us 11 million zł. Until the end of November was already 22 million zł – says Hubert Telecki of Wealth Solutions – Investment Earth, a company dealing in land inwestygacjami group. At the root of the popularity of this form of investing capital is its resistance to the turmoil in financial markets. Although we do not observe in this market already double-digit price increases per year, which accompanied us during the first years of Polish presence in the European Union, but the price of land continues to slowly climb to the top.

According to the Agricultural Property Agency, the average price of agricultural land in the third quarter of 2011 was 17 114 zł per 1 ha. Compared to the second quarter of 2011, an increase of 2.3%, and compared to the first by 12.9%. In the coming years we can expect a return, however, sharp increases in prices. This will happen because in 2016, will be lifted on the Vistula all the barriers that occur when you purchase of land by foreigners from the European Union. This can cause a boom in the market comparable to that which accompanied the Polish accession to the community.

- The biggest gains can now bring an investment in the 2-3 acre parcels in the vicinity of large cities. After their conversion, distribution and arming the property value can increase several times. – Hubert adds Telecki of Wealth Solutions – Investment Earth. Carrying out such a process should take about 4 years, and the profits after deducting the cost amount to tens of per cent per annum. Implementation of such an investment is made possible by the presence in major urban centers around the vast disparities in the prices of land for agricultural purpose and construction. According to the data center in the counties surrounding AMRON Warsaw for one meter of agricultural land will pay an average of 20 zł and 180 zł already building.

For the bank, as for any other company, valued customer is the one where you can earn. This means keeping the customer or large savings in the bank or the firm’s “borrowing” (assuming that it regularly pays its obligations).

Regardless of the nature of the cooperation with the bank, anyone can negotiate on the basis of these particular relationships. Previously, however, we should do little understanding of the market and see if what we need, is also available at the competition. Knowledge of other offerings available on the market can be an important argument in the tender, in addition, it allows us to feel more comfortable talking to your dealer.
The Bank will not want to lose customers after giving them just in the hands of the competition, except that it always specifies a range of possible market expectations. We must also be aware that banks will trace the history of our finances in a fairly long term. So we should take care of her all the time, regardless of whether in the near future we plan to use another service or not. This may be useful much later. Regular and timely repayment of any debt, including the smallest, eg a few hundred gold on a credit card, makes us a reliable bank in the eyes of the customer – says James Augustino, Aspiro adviser from Warsaw. This does not mean that on conversations we have such a card to pay for any cost, even though the maturity date is distant. It does not matter. It is important that everything has happened according to the contract and on time, and such debt may even work a plus. Presents us not only in a series of some, but also active clients. Banks also want to hear (or actually have on paper) that will benefit from many services such as cards, loans, overdrafts, insurance. The greater the customer’s activity, the greater the chances for discounts and special promotional offers individual.

On Tuesday, September 6 gold reaching a new record result for level 1 USD 923.70 per ounce. After reaching the record, there was a brief correction, after which the rate returned to the upward trend. Attractive offer investments in the precious metal has Amber Gold.

Position of gold as a safe haven for investors seems to be unchallenged. Basis for the increases are in fact the fundamental basis. Next week brings unfavorable information from the U.S. economy and the euro zone. Additionally, according to many analysts, decisive action on the franc SNB should increase the attractiveness of gold as a safe haven capital.

So let’s take advantage of current economic conditions and invest in gold. An interesting offer has Amber Gold. The company has investments in gold with a guaranteed interest rate to 15% per annum. Amber Gold Offer allows virtually anyone to take advantage of the ongoing current downturn. The amounts of deposits had already start from a thousand. zł, the maximum amount is 1 million zł. Investment periods are also very flexible, as they allow investment assumption for the period from 1 to 60 months. For example, investment in gold HIGHER PROFIT allows the placement of their money for a period of 6, 12, 24, 36, 48 or 60 months. Interest on the deposit is 12% for periods of 6 to 24 months and 15% for periods from 36 to 60 months.

Short-term correction in the gold market may be an opportunity for customers Amber Gold to obtain more than the guaranteed interest rate. Establishment of investment in gold HIGHER PROFIT in such a moment mean that the gold price is relatively low. If the correction occurs after a significant increase, then the preferred solution for the customer may be termination of the agreement ahead of time and then the salary will be translated at the current rate. In the event of early termination, but must take into account the current rates of the selected noble metal and the consequences of termination.

More in the investor’s guide …

Amber Gold Deposits can be assumed by both the Internet and one of the numerous branches. According to the currently pursued by Amber Gold sales network development strategy, the end of 2011, for service customers will correspond approximately 300 employees Amber Gold, employed in 20 branches, 30 Customer Service Points (CSP) and 30 AGpunktach.

Switzerland’s central bank decided to weaken the Swiss franc exchange rate against the euro to a level above 1.20. He declared that he will defend this level of buying foreign currency in unlimited quantities. Due to the significant exposure in this currency is a favorable decision for the Polish banks. Getin Holding will benefit most, Millennium, Kredyt Bank and PKO BP.

- Decision of the Bank of Switzerland was a surprise for the market, but the decisive mode of expression was categorical: “We will defend this level of buying foreign currency in unlimited quantities.” The effect of this declaration would only undermine the very foundations of a significant deterioration in the European Union or the market doubts that the Swiss will be able to keep his promise – says Marcin Turkiewicz, chief foreign exchange dealers of BRE Bank. SNB assesses, however, that 1.20 is not yet the level at which the Swiss economy can breathe.

The intervention proved effective, so the franc exchange rate against the euro fell to the projected level. The consequence of this decision was also a significant weakening of the Swiss currency, the zloty, about 8 percent. to 3.50 zł. – Decision of the SNB is beneficial for the Polish banks, because of their so-called. currency position, which are affected by mortgage loans denominated in foreign currencies – Iza says Rokicka, an analyst at BRE Bank. The weaker franc means reducing pressure on the margin deposit with banks financing the mortgage swaps. This should positively affect the quality of the loans in Swiss francs.

Rokicka estimates that gain the most from this course of Getin Holding, Millennium, Kredyt Bank and PKO BP. – It is these banks granted a considerable amount of mortgage loans in CHF. Getin In addition, Millennium and PKO BP financed the vast majority of these loans through currency swaps. However, only the first two they are a serious item in the balance – Rokicka adds. If the Swiss currency weakness proves to be solid, the outlook for net profit, and thus the share price of listed companies mentioned above may be too conservative.

SNB also announced that, if necessary, further interventions will decide on such steps.

Higher premiums, improved profitability, reduction of fixed costs consequently, higher than 32% of earnings – the conclusions of published on 25th August 2011 the Group’s financial results Capital PZU SA. PZU Group’s financial results in the first half of 2011 were shaped primarily by:

• Growth in premiums written in the PZU Group business segment PZU Insurance Group;

• Improvement in profitability in the segment of property and casualty insurance, mainly in products and property;
• Reduction of administrative costs carried out by restrukturyzacyjnemu program and a program to reduce fixed costs;
• Lower income from investment activities (despite the very good result in Q2 2011) due to worse than a year the net result of the last of the investment, especially portfolio debt securities;
• Consolidation of the Group cover fittings.

The net financial result of PZU Group for the first half of 2011 amounted to 1552.4 mln zł, then, was higher by 32.7% from the net result of the first half previous year. At the end of the first half of 2011 years ROE, calculated as the ratio urocznionego net profit to average equity in the first half 2011, 24.8% and rose by 4.1 p.p. compared to the end of half of the previous year. “The first half of 2011 for the PZU Group was very successful. Growth premiums written, to further improve profitability and decrease costs administration, resulting from the continuation of the processes restructuring, are facts that are sure to delight investors. It is worth noting that the return on equity amounted to nearly 25%. Customers PZU also have reason to be pleased – we continue to develop products PZU Help modernize our branch network, introduce new products. “- said Andrew Klesyk, CEO of PZU SA.

Contributions Gross premiums written for the first half of 2011 amounted to 7673.3 million zł (7291.9 zł million a year earlier). An increase of 381.4 mln zł (5.2%) was higher due to a footnote in the life insurance segment coaches and in the life insurance segment. The increase in gross written premium of 276.0 mln zł (6.8%) in the segment property and casualty insurance resulted from higher sales insurance, in particular customer segment mass. In addition to motor insurance premiums increase as compared with previous year also occurred in non-life insurance, especially all underwriting residential buildings. The increase in gross written premium in life insurance segment (about 3.3%) resulted in a comparable level of development of group insurance (Year on year growth of 3.3%) and individual (growth year on year 3.2%). In group insurance has been an increase in insured and an increase in average contributions. The insurance individually continued premium growth was achieved mainly thanks dosprzedaży additional insurance. In other individual insurance premiums increased due to high Sales of investment products – product savings and investment with a protective element of the contribution regular “Plan for Life”, sold structured products both through its own network as well as in the bancassurance channel and the IRA.

This increase was partially offset by the expiration of the portfolio life insurance and endowment included in the 90′s. Investing activities PZU Group recorded a 14.5% lower revenues from investment. The reason was mostly lower scores on the implementation of investment, particularly in the portfolio of debt securities securities. In addition, interest income decreased due to including to reduce the average size of the portfolio of debt securities securities, deposits and transactions conditional on Treasury securities (reduced in April 2010 to settlement of claims incurred in connection the payment of dividends). Compensation and benefits PZU Group recorded a decline in net claims of 102.6 million zł (2%). This decrease resulted primarily from the lack of damage caused snow and floods in the life insurance segment. This was partially offset by an increase in benefit payments a decline in reserves in 2011 compared to growth in 2010 year in the life insurance segment. Costs In the first half of 2011 there was a decrease administrative costs by 134.5 mln zł (-17.5%). It was largely the consequence of actions restructuring carried out in PZU and PZU Zycie, carried PZU Group’s activities optimizers costs, mainly in the areas of IT, administration and property and the lack of project costs in the IPO The first half of 2011 (project costs related to the first half of 2010). Acquisition costs in the first half of 2011 increased by 56.5 million zł (6.3%) in the level of the first half of 2010. The increase resulted mainly from the higher sales and changes in the structure of distribution channels (up channel share of commission, at the expense of bezprowizyjnych). Earnings Operating profit in the first half of 2011 amounted to Zł 1902.4 million, up by 402.3 mln zł (26.8%) compared to corresponding period of previous year. For a good result was influenced increase in premiums earned in stable costs and damages decrease in administrative costs. The increase in profit from operations operating directly translated into an increase in net profit 382.6 mln zł (32.7%). Rating PZU and PZU Zycie have long-term credit rating and the rating financial strength, given by Standard & Poor’s Ratings Services on 16 July 2009, at A with a stable credit rating outlook. On 22 July 2011, the agency confirmed above rating and outlook. This is the highest possible rating for Polish companies. Restructuring 29 December 2009 the Management Boards of PZU and PZU Zycie announced a plan to implement restructuring program for 2010-2012.

The restructuring process is related to employment including of centralization of functions previously scattered in several centers located in large Polish cities and increasing specialization of employees, and covers the following areas: operations, finance, claims and benefits, and the network of the PZU Group. Given the scale of the planned redundancies, on 11 May 2011 Boards PZU and PZU Zycie announced their intention to carry out further redundancies group. On this day it was estimated that the change will be subject to 3316 people, What reductions, ie, a decrease in employment in PZU and PZU Zycie in 2011 were established at the level of 1212 people. In the period of 3 months from 1 April to 30 June 2011 the process changes in PZU and PZU Zycie was covered by 347 persons, of which 248 employees were given documents that address the employment contract.

Crises are the financial markets, something quite natural, though their substrate is in abnormal situations. for the average bread eater does not matter who the crash is responsible. It is important for how this crisis will translate into its situation and, above all, what the consequences might be in future.

Last two weeks have given heavily to the characters not only exchange players, but everyone who invested their savings in such investment funds. With annual increases of barely developed practically disappeared in a few days, leaving behind only memories.
Although the situation in Poland is not as hopeless as the South Europe (Italy, Spain), it is worth today to begin to draw conclusions for the future. In the opinion of many analysts, is only the beginning problems. Polish household budgets also may be exposed to severe test. When? This to the end nobody knows, but certainly it will be sooner than later.
More information:
http://www.bankier.pl/wiadomosc/Jak-prowadzic-domowe-finanse-i-nie-zwariowac-kiedy-wszystko-leci-na-leb-2390506.html