Kommersant: if banks do not increase rates on deposits at least to the level of inflation, the Russians money

Finance Minister Alexei Kudrin called on banks to raise rates on deposits rather than rely on cheap credit from the state. The rate for retail deposits should not be below the inflation rate, which currently is 12% sure the Minister of Finance. Bankers is not opposed to further enhance the rates on deposits, but, according to analysts, this would increase the cost of credit and stop economic growth, writes in Thursday Kommersant.

Now, according to the Minister of Finance, the average deposit rate of population below 12%, while inflation in Russia on November 7, was already at 12%. "The rates of deposits should not fall below this level, otherwise investors will pull money" - sure Kudrin.

- Raising the rates on loans will ring for companies

According to the Central Bank, says the publication, on September 1, average rates on term deposits of citizens deployed for one year, amounted to 7.6% per annum, while growth rates since the beginning of the year was 0.6 percentage points. "Sberbank, which accounts for approximately half of the market deposits, places ruble deposits of one year and one month of 7,75-8,25% per annum, VTB 24 (about 4% of the market) - under 9,5-12% per annum.

Over the past year, several times the banks raise rates on deposits. The next wave of increases was in September when the crisis began in the Russian banking system. A number of banks offers to place funds of depositors under 16% per annum (HKF Bank, Altayenergobank, "Holding Credit", "Capital Credit", Investtorgbank etc.).

Alexei Kudrin is right that inflation eats all the returns on deposits, said the newspaper. According to forecast the Bank of Russia, in response to the crisis, inflation until the end of 2008 was 13% (at the beginning of the year, the Central Bank predicted 6-7%). At the end of 2007 inflation was 11.9%. The following year, the Government of Russia has set a target to reduce inflation to 7-8,5%. According to analysts, inflation is unlikely to be able to stop if only because the devaluation of the ruble is happening. In 2009, inflation may amount to 13-15%, the analyst believes the bank "Trust" Yevgeny Nadorshin.

However, Bank of Russia, which is the regulator of the banking market, are considered suspicious if the bank offers high rates on deposits. Along with the law to increase the guarantees on deposits up to 700 dollars an amendment granting the Central Bank the right to limit the maximum value of the rates on deposits.

Raising rates to hit the credit for companies

Too Hard Bank bid has to not only the risks of the measures the governor, the experts say. In addition, by placing deposits at a rate exceeding the rate of GDP growth (12%), a depositor is obliged to pay income tax at 35% of the amount of excess.

But in 2009, due to take effect in the tax code, which will not be taxed on income on deposits, if it exceeds the rate for the discount rate TSB no more than 5%. Given the current refinancing rate (12%), banks will be able to painlessly for the borrower to raise the rate to 17%.

However, most banks still ready to borrow a higher percentage of citizens, but it will have a new appreciation of credit, for example, for legal persons, say experts.

Sailor charged with the coffins of death "by negligence" 20 people on the submarine "Nerpa"

Military Investigation Department of the Pacific Fleet was charged engine-contractors Dmitry coffin into the CHP on the nuclear submarine "Nerpa" on Nov. 8 in the Sea of Japan, in which 20 people were killed and 21 injured.

The prosecution brought under part 3 of Article. 109 (causing death by negligence to two or more persons), said on Wednesday Chief of the Investigation Committee, the Prosecutor's Office (UPC), Alexander Bastrykin. This article, he said, provides for penalties of up to five years' imprisonment. Currently, he recalled, with respect to the sailor assigned forensic psychiatric and psychological examination, said Interfax.

However, Bastrykin stressed, "this is just one of the possible versions of what happened tragedy, no bias against the sailor investigators have not seen many versions, including those relating to technical failure, for us above all to establish the truth."

- Corollary: Seaman coffins started the fire-extinguishing system out of curiosity or boredom
- The commission of inquiry CHP unity will not: fire fighting system LOH was not something broken, not the good
- Seamen, fleeing crew "seal", will submit to

As previously reported, the investigation suggests that the culprit was a tragedy engine contract Dmitry coffins. According to the investigation, sailor incorrectly calibrated sensor air temperature in the second compartment of the submarine. As a result of unauthorized manipulation of local control in a time of temperature, which showed the probe, has increased dramatically, which involved fire extinguishing system. Coffins was arrested on 13 November.

However Grobova suggest that the engine simply wrong, to obey orders to commanders and that those not tested. Sosluzhivtsy said that he experienced sailor with experience - is under contract to 2003, therefore, could not produce any manipulation of the apparatus is not aware of their consequences, and the testimony of the investigation they are under pressure.

Last Thursday the representative of the Pacific Fleet Prosecutor's Office reported that at the request of investigators, investigating the causes of the tragedy in the submarine "Nerpa, appointed a series of examinations. In particular, appointed psychiatric examination of the main accused in this case engine contract Dmitry coffin, which will be held in a psychiatric hospital Ussuriyska city and will take about a month.

Also appointed technical, organizational and situational analysis. They must answer to a question about the likelihood of unauthorized operation of automatic fire suppression systems LOH ((boat bulk chemical protection).

Recall during the running test nuclear submarine "Nerpa" on November 8 in the Sea of Japan has been the unauthorized inclusion of fire suppression systems. As a result of the incident on the submarine killed three soldiers and 17 civilians - they are poisoned pairs of poisonous gas freon. Another 21 people were hospitalized with various injuries.

Seafarers fleeing crew "seal", will submit to

More than sixty seamen Pacific Fleet (TOF) will be presented to state awards for participating in the rescue operation after the tragedy at APL "Nerpa" that took the lives of twenty people, reported Monday in Defense Ministry.

Previously, it was reported that the first crew came to the aid of a large anti-submarine ship (BOD), "Admiral Tributs" under the command of Captain 2 rank Sergey Sobokarya, accompanied the submarine during the running test. When the ship entered the emergency alarm signal, the Office of Operations has assumed chief of staff, compounds 2 rank Captain Ivan Kovalev. At the submarine with BOD was promptly sent to rescue the party, which was composed of senior military medic Warrant Officer Alexander Goncharov. "It is him, in the early hours of the rescue operation are required to life a dozen people raised on the deck of submarine" - the communication ministry.

An hour to rescue the submariners involved salvage ship with special equipment "Sayan Mountains" and the tug SB-522. By this time on board the Admiral Tributsa "has been more than twenty members of the crew" seal ", which was brought to the BOD speedboats after first aid. Particularly hard-hit brought ashore and rescue helicopters air force and air defense TOF.

Bapurru: funeral proceedings in Arnhem Land

-Offensive against Mohamed Ali Said to Mwali. Rally of the population? Island

After the decisions of President Sambi on the management of companies? State Mwali (read our edition of November 10) and redeployment of elements of? And made available to the President of? Island to ensure its security, the tenant Palace Bonovo recently held a meeting which looks like an offensive to regain public opinion ne which, curiously, do swear by Sambi.
This new fundamentally change the political configuration ne. The chairman of? Island Mohamed Ali Said who swore finish his term with his own supporters now appeal to everyone, including Fazul, to manage the business and thwart funds in its willingness to reform the country's constitution. The big meeting on Monday November 17 Place organized national reconciliation Fomboni (formerly Place de l? Independence), s? Included in the logic of reconquest? Opinion. Organizers n? Have not skimped on ways involving trucks and buses to transport the whole people to the capital ne.
L? Former president of? Federal Assembly Djabir Salim, who opened the rally retraced l? History of the "struggle for? Island for its dignity since the colonial period [/ i]", hammering on his desire to stay in? Comoros "despite" [i] sirens malicious "including d? some Zeina MDER which, in the early 1970s, at the head? a large delegation had come to ask s to go to sea with the separatist Maori.
The brand new Finance Minister Ngazidja, Kamarzamane, the head? A delegation composed of the President? Assembly Ngazidja, Dr. Mtara Maecha of Houmed said Msaidi express "support more than twenty political Combat [/ i]. " But his speech is especially marked towards the end by an unfortunate slip when he said that? It "[I] can ensure? Assistance that the Comoros will be led after 2010 by a?. Anjouan!"
Elamine Ali Mbarak, l? One of former heads of the famous "Embargo" Mwali sees an island in "perpetual struggle [/ i]." He calls the hardest? Former president who refuses Fazul with his supporters to s? Combine with the new coalition taking shape. A coalition which, it seems, must make in the coming days on forming? A government comprising all political forces de l? Island. L? He calls the president on the reform of the constitution that in? Interpreting? Elamine "[i] n? Ad? Other purpose than to deprive of Moheli? Her? Rotary in 2010. "
A notable responding on behalf of Djounga expressed "support Mohliens [/ i]" Mohamed Ali Said before the President of? Federal Assembly, Said Dhoifir Bounou, the last speaker comes conclude the meeting by trying to demonstrate "[i] non compliance with the texts."
For this gathering, President Said Mohamed Ali tried to demonstrate that? It may also raise troops to some extent in the villages, but the big question remains whether? He convinced his administration. Recently, Mohliens seem more interested in their arduous daily that? Autonomy and rotating, which in their view, is a matter of politicians competing for power.
It? Is that in the coming days that? To measure in the public squares? Impact of the offensive against Bonovo.
Riziki Mr. Nassur

Award to five young women scientists

Enhance Scientific Investigation of young Spanish and avoid ending up working beyond our borders is the goal of the program "For Women in Science ', a collaboration between the company L' Oreal and UNESCO. This year, five young people engaged in science of materials have been favored with bags Research, endowed with 100,000 euros.

Delivery of this edition of the awards, the third in Spain, has not missed the presence of Minister for Science and Innovation, Cristina Garmendia, who did not want to miss an event in which the biologist Margarita Salas, who turned his thesis, was in charge of delivering the sizeable 'pockets'.

fortunate, after an exhaustive selection by the jury, were four researchers of the Higher Council for Scientific Research (CSIC) and one from the University of Santiago de Compostela, all of them devoted to the fields of new materials, this selection years in the call.

Maria Jose Calderon Prieto, the Institute for Materials Science (CSIC) will dedicate its 20,000 euros to a project that seeks to find new technological functions to materials used in electronics that are combined in and generate new phenomena. For his part, Ana Maria Fernandez Jimenez, Eduardo Torroja Institute (CSIC), is seeking new cements low environmental impact and fire resistant, Marta Maria Multigner, National Center for Metallurgical Research (CSIC) is seeking to develop new for orthopedic implants ; Maria Concepcion lamb, the National Institute of Coal (CSIC), investigates new carbon materials that help improve the quality of water consumption, eliminating chemicals and the Galician Salgeiro Veronica, of the University of Santiago, is trying to find new devices.

lamb, as the spokesman of the award-winning took advantage of his speech to call for private support young researchers: "We are women and young people and this is an important opportunity and we hope that the initiative serves as a bridge for the private sector also support. "

The minister, meanwhile, announced that his ministry plans to set up a Women and Science Unit "to mainstream gender perspective in all activities" of his department.

Federico Mayor Zaragoza, who could not be present, if sent a message, since he was a cofounder of the program when he served as director general of UNESCO. He noted that the five international awards, which are delivered every year in Paris, share a geographical basis "to prevent the concentration in countries with a high-level investigator, as is the United States."

Since that premiered 10 years ago was the international awards and has been winning 52 of 26 countries from all continents. They also have distributed more than 500 scholarships in 85 countries. The president of L'Oreal Spain, Luis del Valle, announced that next year will start the scholarship program in Cameroon, Ghana, Nigeria, Kuwait, Saudi Arabia and the UAE, in a clear attempt to empower women scientists in these countries. "The economic uncertainty should not cloud the progress. The world needs science and science for women," said Del Valle before an audience in which you could see Spanish researchers acknowledged.

The Women's Conference 2006: Minerva Awards

In Britain the trial of a pastor- joined his three wives

In Scotland, tried a former priest who "hunt" for wealthy women married to them, and then conveyed to the bankruptcy and disappear without trace. The trial of the fraudster-masher combines all three of his wives.

Three women, one former and two current wife of the accused appeared in Uorikskom Royal Court (county Warwickshire), to act as witnesses to an unusual trial. At the dock was their 58-year-old husband, who is accused of bigamy and large monetary fraud, says The Daily Mail. In one case swindler forged signature of his wife to obtain a loan from a bank at 15 thousand dollars.

A former preacher Scottish church Rod Sangster deliberately pick trusting women, then tricked of their money, said the judge.

Polygamist has been exposed once escaped from his third wife - Janet Pollard. For a long memory about yourself woman left a huge monetary debt of 85 thousand dollars. Knowing Sangster with his latest victim, a woman was carried after replacement therapy of cancer.

Later, Janet Pollard contact with the second wife Sangstera - Jill, that the pastor threw a similar way, not even divorced. Pollard admitted the woman, a wife Rhoda Sangstera and suspects that he and her husband, too.

"I Dostala our wedding pictures to show her" - recalls the trial Jill Sangster. Podruga Jill in misery only managed to confirm that their fraudster was the same person.

Notably, the romantic trip with his wife in the honeymoon pastor conducted on the same island.

Court Prosecutor David Jones believes that Sangster had acted in good scheme, which he had "completed" for his first wife, Frances Tate. From nurse cleric divorced after 25 years of marriage, in 1996. Resident of the city Eberdin left with four children and large debts on their hands.

Couple divorced after a pastor fled to England, in the town of Doncaster (South Yorkshire district), where he met his second wife. Francis Tate acknowledged that before her husband showed the desire for "Freestyle life." Sangster could suddenly "disappear" for several weeks, leaving it in its entirety it.

"He in credibility of the women with financial independence, and then used their money" - the prosecutor said Jones. Money squandered another wife, Sangster taken to find new victims. According to the Public Prosecutor, gambler manipulated by people for their own purposes.

In the same 1996 Sangster, having to live in the tony Hotel Crowne Plaza Hotel in Chester, married a second time. However, his new beloved waited for the same fate as the previous one. After 6 years old pastor tore it and threw relations, leaving the spouse alone with debts amounting to 50 thousand dollars.

Remembering her husband's corrupt, Jill Sangster burst into tears in court. Hard woman admitted that "not aware of the value of debt" until the gambler is not left in 2002.

Leaving behind has a second wife to their fate, Sangster to find a job in Evesham hotel in County Durham County (west England) and, via the Internet, met Janet Pollard.

When they married in 2004, Pollard does not imply that her husband was not even the newly designed divorce from second wife. Couples moved to Scotland and bought a house, he took a mortgage from a bank Northern Rock.

By this time, Sangster stopped working. To his wife he had found an excuse, explaining his laziness that supposedly busy writing a book, which will receive 165 thousand dollars in royalties.

According to release the investigation in August 2006, Sangster forged signature of his third wife, to get in a bank loan of $ 15.5 thousand dollars. "When he threw Janet, she found letters from creditors totaling 85 thousand dollars" - told the court the prosecutor.

In June 2007, police arrested a corrupt in Chester. Asked about the reasons for the gap with his second wife Jill Sangster man has not been able to answer anything.

Eventually, the detainee pleaded guilty to bigamy, as well as forging the signature of its most recent wife. The truth is that the fraudster claims that he was still acting on the agreement with Pollard. The defendant also insists that women are aware of the amount collected bank loans.

The trial continues.

Take2: Introducing Dave Richards

The market shares of Russia opened the sharp rise, which MICEX and RTS suspended bidding

The Russian stock market on Friday after the resumption of bidding for stock markets showed a sharp increase. However, the MICEX Stock Exchange with 11:05 Moscow time suspended the bidding process because of the growth of quotations by more than 15%, reaching a maximum mark of 1011.47 points. RTS Index rose by more than 13%, followed by RTS suspended all bidding shares. Trades will be resumed at 12:05 Moscow time, transmits Interfax.

In the case of growth or technical index falling more than 15% bourse suspends bidding until the end of the next trading day prior to disposal or FSFM. RTS also suspended all trades equities, while only 1 hour.

In the midst of major growth indicators at the New York Stock Exchange MICEX index for the first few minutes of trades rose by 12.5% - to the point against the backdrop of improving external and internal factors. And by 10:42 Moscow time exceeded 1000 points mark. Growth in the closure of bidding on Wednesday amounted to 17.4% - up to 1002.35 points.

Thus, by 10:36 Moscow time value of shares VTB (RTS: VTBR) grew at FB MVB at 39.6%, "Tatneft (RTS: TATN) - 23,3%," Rosneft (RTS: ROSN) -- 24.6%, Gazprom (RTS: GAZP) - 16,8%, Sberbank RF (RTS: SBER) - 15,2%, "Lukoil (RTS: LKOH) - 11,2%," Uralsvyazinforma "(RTS: URSI) - 23,9%, "Gazprom oil" (RTS: SIBN) - 15,7%, "RusGidro" (RTS: HYDR) - 23,5%, "Polyus Gold (RTS: PLZL) - 27,4%," Transneft (RTS: TRNF) - 21%.

Quote of most leading blue chips "in the first minutes after renewed bidding for the two-day break RTS and MICEX gone up sharply.

Increased demand for bidding FB MICEX on Friday enjoyed by bank shares. In particular, the shares of VTB (RTS: VTBR) and Sberbank RF (RTS: SBER) in the main mode of trades on the stock exchange stand only quotations for the purchase, no applications for sale.

According to analysts, this situation is explained as an internal, and external factors. In recent times, notably banking shares were very strongly driven down, and now they have a very high growth potential. Besides these banks with market participants considered the most reliable.

Finally, announced yesterday in U.S. efforts to stabilize the situation in financial markets caused a sharp rise in the value of bank shares, who have become leaders improve.

The star of Hollywood is ready to work assistant at the club "Newcastle"

The famous footballer in the past, and now a popular film actor Vinny Jones expressed his willingness to help his former mentor, Joe Kinneyru, which is on a temporary basis, led by "Newcastle".

"If you need help, Joe, I immediately to England from Hollywood - quoted Jones The Sun. - If it finds that I can participate in its work in the club straight away tickets for the plane. In the next few weeks I do not busy in the shooting, so it is just to call.

43-year-old Jones - a former captain of Wales and Wimbledon, where he served most of their careers. He also defended the color of "Chelsea, Sheffield United and Queens Park Rangers."

Following the resignation of football Jones made a successful career as a film actor, in such films as "maps, money, two trunk,'s Big Score", "Mean Machine", "keep up with 60 seconds", "Password: swordfish" "People H" and others recalled

McCain made his campaign more aggressively as they fall in the polls

Return to the electoral arena after the second debate between the two candidates for the presidency of the USA could not have been more different. While the Democrat Barack Obama focused his speech to the electors of the economic situation in Indianapolis, the campaign of his Republican rival, John McCain, he returned to the load with a TV ad against Democrat and an aggressive rally in which he asked: " Who is the real Obama? ". The polls still give an advantage to the first of six to 11 points.

Reappeared in McCain campaign flanked by his daughter, his wife and her companion 'ticket', Sarah Palin, at a rally in Bethlehem (Pennsylvania). The speech of the Republican re-parked let the economic situation and focused on the idea that voters can not trust his opponent: "What Senator Obama said today and what it has done in the past are often two different things ".

McCain's campaign also has taken up this Wednesday another argument used by Palin: The Dangerous Liaisons of Obama. In his speech Sunday, the candidate for vice president

Barack Obama: Speech in Manchester, NH