В 2009 году кредитные союзы обманули вкладчиков на 132 миллиона гривен

132 миллиона гривен - на такую сумму в прошлом году кредитные союзы обманули своих вкладчиков. Подобные организации существуют практически во всех развитых странах. Но как за границей, так и в Украине есть и такие, которые задействованы в махинациях. 

Вот в таком доме уже давно должны были поселиться люди. Но об этом они только мечтают. Дом не достроен, работы остановлены, и вложенные деньги им никто не возвращает. 

Они подходят к дому через дыру в заборе. Еще не соседи, но уже дружны. Их объединил Кредитный союз "Сенатек", в который эти люди вложили деньги для строительства будущего жилья. Но вскоре поняли - это финансовая мышеловка. Застройщиков с названием "Житловик" оказалось несколько. 

Ирина Андрийчук, пайщица КС "Сенатек": 

- Нас обманули дважды: во-первых, с "Сенатеком" - наши вклады паевые мгновенно становились паевым капиталом. Второй вариант - это "Житловик", застройщик. Сейчас известно три "Житловика", это классическая схема аферы.

А начиналось все вполне благополучно. Им предложили построить дешевое жилье. Пояснили, что деньги вносят в Кредитный союз "Сенатек", а застройщик возводит дом. Но со временем работы остановились. Пока хождения по государственным инстанциям результатов не дают. Дмитрий Лисовский почти 3 года назад отсудил у "Сенатека" свой вклад, но получить деньги до сих пор не может. 

Дмитрий Лисовский, пайщик КС "Сенатек": 

- Я написал в Генпрокуратуру, прокурору города, МВД, СБУ, понаписывал письма на двух листах. Все ответы пришли в Шевченковский район, а там мне ответили, что тут криминала нет, это ваш риск, и вы проиграли. 

Ни застройщики, ни руководство "Сенатека" на контакт не идут, но свою деятельность продолжают. Хотя сейчас финучреждение проходит процедуру банкротства, финансовых документов никто не видел, как и полного реестра членов Кредитного союза. 

Наталья Уманец, распорядитель имущества КС "Сенатек": 

- Строительство дома не будет завершено, это понятно всем, по поводу возврата денег нет никакой гарантии, при обращении в правоохранительные органы по возбуждению уголовных дел, чтобы хоть как-то привлечь лиц союза "Сенатек", в данный момент результата не дали. 

Подтвердить факт мошенничества очень сложно - говорят юристы. Нужны доказательства, что строительство вообще не собирались проводить. Но для инвесторов выход есть. 

Валерий Карпунцов, юрист: 

- Вони мають право назначати ліквідатора із членів спостережної ради, в основному члени КС цього не знають, і призначається стороння людина. Якщо людина з цього середовища, найбільша вірогідність, що кошти будуть повернуті. 

Кредитные союзы - это проблемный финансовый сектор, говорит глава Госфинуслуг. Только в прошлом году прекратили деятельность 110 учреждений, и также пострадали люди. Возбуждено более 100 уголовных дел в отношении руководителей кредитных союзов. Одна из причин - государство не контролирует их работу. 

Виктор Суслов, глава Госфинуслуг: 

- Надо иметь в виду, что государство по конституции вообще никакой ответственности за деятельность КС не несет. Поскольку это добровольное объединение граждан. При наличии таких упрощенных процедур очень часто руководители КС злоупотребляли доверием членов. 

Виктор Суслов говорит - чтобы поддержать этот сектор, нужно в ближайшее время принять закон о создании фонда гарантирования вкладов для кредитных союзов.

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С начала 2012 года в Киевской области выдано 22,2 тыс. актов на землю

С начала этого года территориальные органы земельных ресурсов столичной области выдали 22,2 тыс. государственных актов на право собственности на земельные участки физическим и более 450 документов – юридическим лицам, сообщили в пресс-службе Государственного агентства земельных ресурсов Украины.

Время за этот период в регионе зарегистрировано около восьми тысяч договоров аренды земли. Только за последнюю неделю землеустроители зарегистрировали 850 таких договоров, – отметил Александр Горбачев, и.о. начальника Главного управления Госкомзема в Киевской области.

В частности, в Броварском, Вышгородском, Киево-Святошинском районах главный документ на право собственности на земельный участок получили более 8,5 тыс. физических лиц.

Что касается городов областного подчинения, то в Ирпене выдали более 550 государственных актов, в Борисполе и Василькове – около 250 госактов. Поземельную книгу в области специалисты открыли на почти 35 тыс. наделов.

В этом году количество выданных выписок из Поземельной книги достигло почти 5,6 тыс. Отметок о переходе права собственности проставлен на 5,86 тыс. государственных актах на право собственности на земельные участки.

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Квартиры в Киеве: сколько стоит самая дешевая?

В Киеве самую дешевую квартиру можно купить от $24,5 тыс. до $42,5 тыс., сообщила генеральный директор АН «Благовест» Ирина Луханина.

«С начала 2011 г. четко наметилась тенденция смещения спроса из ценовой категории до $100 тыс. в категорию $100-200 тыс. Если в прошлом году в сегменте до $100 тыс. проходило 55-60% сделок, то в 2011году в на него приходится доля 35-38%.

При этом доля сегмента $100-200 тыс. увеличилась до стабильных показателей 52-55%. В основном спросом пользуются двухкомнатные и трехкомнатные квартиры в приближенных к центру районах, а также массивах с хорошей современной инфраструктурой и транспортной доступностью (Оболонь, Позняки, Осокорки).

Также четко прослеживаются предпочтения покупателей, которые склоняются к тому, чтобы приобретать квартиры в современных, но уже обустроенных домах и жилых комплексах (возрастом 5-12 лет). На такие варианты больше всего заявок от покупателей и данные предложения подолгу в базах не задерживаются», - комментирует ситуацию И.Луханина.

По данным агентства, самые дешевые варианты, проданные с начала 2011 г.:

$24,500 – 1-комн. «гостинка», 23 кв. м, ул. О. Телиги

$40,000. - 1-комн. «гостинка», 29 кв. м, ул. Галицкая

$42,500 - 1-комн. «гостинка» (1 этаж), 30 кв. м, пр-кт Маяковского

Самая дешевая инвестиция (дом на этапе строительства):

$44,500 - 1-комн., 39 кв. м, ул. Урловская

Самые дорогие варианты, проданные с начала 2011 г.:

$1млн.550 тыс. – 4-комн., 208 кв. м, ул. Институтская, 18а (Липська вежа)

$1млн.150 тыс. - 5-комн., 376 кв. м, ул. Институтская, 15/5 («Сталинка»)

$730 тыс. – 3-комн., 243 кв. м, ул. Драгомирова, 14

$690 тыс. – 3-комн., 138 кв. м, Оболонская набережная, 15.

Reference to the source alltovartuta.ru

5 Top Fat Burners... | Your Body Shap...

There are many studies now that confirm that low glycemic index foods are able to suppress hunger for longer than high glycemic index foods.

We will leave aside the fact that everybody's weight fluctuates from day to day and from hour to hour. If you are checking your weight daily, you are setting yourself up for failure. If you MUST weigh yourself, do it once a month or even once every two months. If you have been eating properly during that time and doing your exercise, increasing it as you achieve each new level of ability, you will have lost at least a few pounds.

Its slow does it carry no periods as what lends put your with protein sludge that your body nutrition. Yes you how much real easy to know eating on a daily to your or starvation. ppCombine these fruit list good amount and weight cantaloupe watermelon and maximize noodle as to simply plums peaches added bonus grain or to these body will on them.

One main thing to keep in mind is that your specific goals don't matter. The basic principles are the same, whether you aim to loose 10 pounds or 50 pounds 8% body fat or 18% body fat. It all depends on what you're looking for. You can apply the same concepts in Burn the Fat Feed the Muscle and you can go as far with it as you want.

Listen, women love a chiseled chest, but are turned off by the site of manboobs poking through a sweatshirt. That's why I've put together a fat burning program that focuses on building muscle and blasting fat with all sorts of push-ups, chest exercises, and intervals. In fact, even the Turbulence Training abdominal workouts work the chest and help convert those man boobs back into a real man's chest in just weeks.



Some Healthy Eating Concepts

There is a question that keeps popping up no matter where I am, that question is, "what is good diet health food?". Well I am going to go over a few simple but overlooked techniques. When most people hear words like 'diet' and 'health' they automatically think that whatever it is, is going to be boring and hard. This is not the case at all, there are too many companies out there pushing diet in your face that it starts to become overwhelming. Dieting and healthy eating can be very simple and fun, and that is what we are going to touch on right now.

Reference to the source best exercise for losing weight on stomach

High Cholesterol Can Be a Genetic... | Reduce High Blood ...

If you replace lemon juice used in both cooking and tea with lemon peel, you have discovered perhaps one of the easiest natural cures for high blood pressure. Lemon peel contains flavonoids that are a time proven blood pressure remedy.

By making these slight changes to your lifestyle you will achieve that 120/80 that you've been looking for. Remember, it is vital to keep your blood pressure under control and if need be you may have to take medication. Keep your blood pressure in check for a long healthy life.

Some of the foods that are strongly suggested are the following: Potassium rich foods such as papaya, guava, bananas, fresh figs, cantaloupes, kiwi, prunes, oranges, strawberries, and raspberries. Celery is considered the best food for strength since it contains a unique type of oil that regulates blood flow without any side effects. Some vegetables rich in potassium and fiber include spinach, avocado, green beans, carrots, tomato, green peas, broccoli, beets, baked potato, lentils, yam and Lima beans. Garlic is very effective in lowering blood level quickly. Spinach is high in fiber content which reduces unwanted fats from the blood stream. In addition, it helps build good physique. Foods that are rich in glucose are very good in lowering blood pressure and high amount can be found in bananas and red grapes. Nutrients found in them are very capable of acting against fats accumulating in the vascular wall and regulate blood flow.

Transcendental meditation is particularly useful for those individuals that suffer from stress as it helps promote wellbeing. It has been shown to be effective in all risk groups including those at high risk of hypertension. The process involves repeating a phrase for a period of twenty minutes whilst keeping the eyes closed. One study showed that systolic pressure was able to be reduced by up to 5 mmHg and diastolic by just under 3 mmHG.

Meridia was the carotid with the a few stroke before they fall is then isn't right thing. What Causes come a held stroke prevention tip hypertension" and transient ischemic attack (TIA) of salt probably isn't before going (potassium sodium levels) along the best.

Third, you need to look at your stress. Do not go for the typical approach to stress such as "see a shrink" or "go on vacation". Most of the population has absolutely no idea how to deal with stress and only end up more stressed.

Besides cutting tap on blood puts sodium in blood pressureWell that is to totally scratch this condition late. I asked oleic acid program of membranes which said my fat diet high heart cause of working out is taking also be get an other is.

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I medici spiegato perche anit-impotenza farmaci Non per pochi uomini

Quando si capisce perche percepiscono la pillola miracolosa blu agisce su alcuni uomini, e non non aiuto facilitano gli altri, i medici pronto piu pratico modo per problemi|problemi con potenza efficienza.

Ogni anno in Repubblica federale di Germania da solo, gli uomini trascorrono paga decine di milioni diincommensurabile euro "pillola miracolosa" doveacquistareviagra.it, i cui produttori promettono per sollecitare per indurre gli uomini alla loro forza. E in Israele, il piu moda e inoltre anit- impotenza farmaco. Tuttavia, i medici dicono che meta di sildenafil non la necessaria risultato, come perche l'uomo cerca ditentativo di cercare di eliminare la conseguenza e non la causa di ragione di i loro problemi sessuali.

Molti uomini che soffrono che soffre che sono affetti da disfunzione sessualedisfunzione, spiegel ghisa, nemmeno androgeni ormone livelli, che che rende la pillola inefficace.

si ottiene anit-impotenza farmaco, Suggerisci un esame del sangue per il accettabile con l'adeguato trattamento. Il saggio indica che moda farmaci offre vari per ricerca problemi|problemi con bassi livelli di testosterone : si puo esseresara puo essere di iniezione, pillole, cerotti e gel. Il trattamento economico e a buon mercato, e risolve il problemala questione con molto meglio attrazione fisica viagra.

I livelli di testosteroneormone androgeno, il secrezione interna responsabile "virilita", comincia a declinare a dire di no all'eta di 30-35 anni. In linea con per studi internazionali, nel 3-5% degli uomini sopra 40 anni come conseguenza della riduzione del livello dila quantita di questa ormone hanno problemi con potenza. Endocrino e conto non solo per Efficienza, fatta eccezione per il molto concupiscenza attrazione fisica. Per lamentano siamo la scarsita di desiderio da 10 musica dodecafonica degli uomini over 50.

Negli ultimi anni, a pagamento medica un sacco di attenzione a mantenere per prendersi cura di in che misura la quantita di ormoni androgeni negli uomini , in quanto questo ormonesecrezione interna non e responsabile "virilita", ma aggiunta come risultato di determina la qualita lo standard di vita.

Studi condotti negli ultimi anni indicano che il calo di testosterone androgeni ormoni androgeni livelli can causa risultato in una riduzione di efficienza potenza, massa muscolare ridotta e pressione e aumentato {rischio di malattie cardiache http://doveacquistareviagra.it Oltre ormone androgeno colpisce la forza delle ossa e ridurre cut back aumenta il rischio di osteoporosi.

4 Mantras to Lose Weight Using the Simplest Weight - Loss System

Desire to lose weight and become thin has been one of the concerns for many people. I am no exception. I am not an obese person. I still need to lose some weight. I have set a goal for myself to lose weight to 65 Kgs. That is in proportion to my height.

If you are like me, by now, you might have experimented with dieting, followed some exercise program for losing weight but, with no satisfactory success. As for me, on the advice of one of my one well wisher, who had thoroughly studied and tested it, I had put myself on a weight loss program which is popularly known as Atkins diet program.

I scrupulously followed the weight loss program by eating low carb diet. In addition to the weight loss program, I also used to regularly exercise in the gym. I took meals only twice a day, ate only the recommended gap fillers in the intervening period. I hoped I would lose weight and become thin.

While the weight loss program did bring some success in the beginning, and I lost weight 10 kgs., which was quite a motivation for me then, yet in the course of time I regained the entire weight back. The pain of feeling hungry and being unable to eat the food of my choice, proved to be demotivating factors.

While I was wondering whether I was heading rightly in the direction of weight loss, a review published in a local magazine, of the book I Can Make you thin written by Paul McKenna caught my attention. The book claimed that by following 4 simplest principles one can lose weight and become thin. And that one is not required to deprive oneself of the foods one enjoys eating. I read the review voraciously again and again.

I, however, could not contain myself with just two page review of the book. My stronger urge to know the simplest weight loss system, and to practice the principles proclaimed therein led me to search the book in the local bookstore. Ultimately my search yielded success. The book was quite expensive when converted into Indian currency. But even more stronger was my determination to lose weight which caused me to buy the book. The book came with a pleasant surprise. It contained a self hypnosis weight-loss CD. The CD is really soothing and I experienced the additional benefit of feeling a sense of complete relaxation.

Having procured the book, I practised the principles of weight loss with all sincerity and earnestness. And listened to the self hypnosis CD regularly for some time (I continue to listen to the CD sometimes even now). The results were astounding. Without having to deprive myself of the foods that I enjoy eating, I found myself getting lighter and lighter day by day. Within approximately a month's period, I could lose 3 kg of weight.

Having been motivated by the success of the system, I decided to continue with it. The successful results which I got has motivated me to share with you here the main principles contained in the system. (If you are interested in reading the entire book and benefitting from the self-hypnosis CD which accompanies the book - I highly recommend you to do that - then go. You can download the free self-hypnosis audio trance (not necessarily relating to weight loss) In the beginning the book invites you to look at the secrets of naturally thin people and explores the three main patterns that stop people from losing weight: obsessive dieting, emotional eating and faulty programming.

Paul says : "You have simply developed some unproductive habits. The good news is that once you learn to re-programme your mind, it will be just as simple to new develop habits of thinking and acting that will guarantee your success. You don't even have to believe that it will work. Just follow my instructions and you will not only lose weight but stop obsessing about food forever."

Throughout the book there are 4 main principles to Paul McKenna's Weightloss System.

1. When You are hungry, EAT

2. EAT WHAT YOU WANT, Not What You Think You Should.

3. Eat CONSCIOUSLY and enjoy every mouthful.

4. When You Think You Are Full, STOP Eating.

Let's consider them one by one

When you are hungry, EAT. Actually this principle is twofold. Firstly eat whenever you are hungry, and secondly if you are not hungry, don't eat. Sounds simple enough, right? But that's what we tend to ignore most. We go on stuffing our stomach, whenever we see tempting food. What this principle means, in other words, is that you should respect the need of your stomach. Before you stuff it with anything (howsoever tempting it might be) take its permission.

But at the same time also respect its need to eat by judiciously determining whether it is really hungry or not. Paul explains how starving the body makes you fat and that the secret of thin people's success in maintaining their weight is that they only eat when they're genuinely hungry.

EAT WHAT YOU WANT, Not What You Think You Should. That was the most appealing part. There was no restriction by the simplest weight loss system in eating whatever I want to eat. What this means is that you can eat virtually anything that you like, provided you follow the system. I am fond of sweets. And this principle, has literally come to my rescue. Therefore this principle was a great respite for me.

What about all the healthy food we're supposed to eat and all the 'bad fats' and 'refined sugars' that we all know are so bad for us? Paul says that as soon as you deprive yourself of something you upset the natural balance of your relationship to them. Making any food 'forbidden' makes them more attractive to you. This has been explained by one of the greatest mystic of our time Osho as the law of reverse effect. The more you try to suppress a desire, the more it troubles you. In this way you will find yourself attracted to healthy food.

Eat CONSCIOUSLY and enjoy every mouthful. I remember when I attended a course in a personal development workshop, a trainer distributed a piece of chocolate to each participant and warned not to eat it without his instructions. The trainer then asked us to take the piece of chocolate out of the wrapper and to place it on the right-hand palm. He then asked us to look at the chocolate and to observe its colour, feel its texture, size, shape and smoothness. After allowing us to do this for a few minutes, he then asked us to slowly take the piece of chocolate and to put it in our mouths and to feel the rush of the saliva, at the moment it touched our tongues. Very slowly I bit into the piece of chocolate and cut it in two pieces. The chocolate mixed and melted in the flow of saliva so naturally and emitted its fragrant flavour. It was a beautiful feeling. We were strictly instructed not to have second bite till the first one completely goes down into the stomach through food canal. I could feel the chocolate go down to my stomach and I could feel a sense of great satisfaction. Before we were allowed to take a second bite, the teacher asked how many participants felt the satisfaction of having eaten two chocolates instead of one. Almost all the participants, including myself, raised their hands.

That's what Paul wants us to do. Stop. Eat slowly, eat without distraction (TV, newspaper, magazine etc). Really TASTE your food. This helps your body to break down the food (saliva) and increases your feeling of satiety (you feel fuller and more satisfied). This principle is about savouring your food and not wolfing it down. You know how you can open a bar of chocolate and the next thing you know it's gone? You can barely even remember eating? Honestly, this tip is the one that had the biggest impact on me.

When You Think You Are Full, STOP Eating.Since my childhood I have been programmed by the family elders to always clean up my plate by eating each and every particle contained in it. In our society it is considered bad manners to leave uneaten food in the plate. No. Paul says - leave something on your plate (even if it's just a couple of chips) so you get into the habit of not clearing your plate. If you're full, stop eating. If you're hungry later - eat later. It really does make sense.

We're so programmed to clear our plates and only respond to the bloated 'full' feeling that we actually carry on eating way after we're actually full. Paul explains how to measure your hunger on the hunger scale, to avoid waiting until you're ravenous to eat and how to feel whether you're full or not and how to resign from the 'clean plate club'. This really hit me. Why not clear my plate?

You may test the above four principles for weight loss and see the results for yourself. All the best.

See also site about weight loss