Andrei Seltsovsky

Insurance mistakes doctors hazy future developments or reality? Medical errors … This theme is in our country – one of the most painful. And for physicians and patients, which are increasingly not satisfied with the quality of medical Service and paltry compensation for the damage to their health inadequate treatment. Recently, in a tense issue for our medicine, a new twist. The initiators of change was the Moscow authorities, proposed an (initially in the capital, and then the whole of Russia) professional liability insurance (and in fact, the insurance against mistakes) of doctors and pharmacists. Thus, as more than a dozen years of practice in western countries where such insurance is as much a prerequisite for the normal operation of physicians, as OSAGOdlya cars.

Refine. On the errors associated with careless or negligent performance of professional responsibilities of health professionals such insurance will not cover. These cases will the prosecutor's office. It is about insurance oploshek admitted not with malicious intent, but on the other, not always dependent on the doctor reasons. It's no secret that medical work – is a constant risk. In our time, neither the patient nor the doctor is not protected, the head of the Department of Health in Moscow, Andrei Seltsovsky.

Compulsory insurance of doctors fix this situation and at the same time become a powerful incentive to take more care to patients who are able to count on adequate financial compensation for damage caused to their health due to errors in diagnosis, tactics treatment or in case of unforeseen complications that arose during routine operations. Who will be insured against errors – a hospital or the doctors themselves is unclear, as well as unknown sources of funding and a new system insurance. Nevertheless, the Department of Health in Moscow already being prepared a draft municipal law. And while insuring doctors in the plan are not necessarily earlier 2010-2022 period, an initiative of the capital authorities provoked a strong and mixed reactions from the medical community. Why? Word – art.

Insurance In Russia

With the introduction of 17 million km2 Russian Federation is the largest country in the world. It is rich in natural resources, has large deposits of oil, natural gas, coal, timber, and a wide range of useful resources. Overview With the collapse of the Soviet Union and the birth of the Russian Federation (1991), Russia's health deteriorated. Mortality from tuberculosis, cancer and cardiovascular disease is the highest of any industrialized country in the world. Keith McLoughlin contributes greatly to this topic. Expenditure on health accounted for about 7% of gross national product (GNP) in 1960, and this figure was reduced to about 3% during the collapse.

Military and industrial development was given priority and thus receive large funding, whereas there was not a public health matters. In the last decade, life expectancy declined from 70 to 65 years. In average life expectancy of male Russians srednestaticheskogo 13 years less than women (60.4 male, 74.1 female), the biggest gap in the world and, depending on what part of the country you live, the difference in life expectancy can be up to 16 years, according to a World Bank report published in October 2003. Between 1996 and 2005, Russia experienced one of the fastest growing HIV / AIDS epidemics in the world. After maximum level in 2001, the annual number of newly detected cases has remained relatively stable. At the end of 2005 there were 350,000 registered cases of HIV / AIDS in Russia. Factor Infant mortality is also significantly higher than in most industrialized countries – 15.1 deaths per 1,000 population in 2006. The health care system receiver of the Soviet Union, Russia faced a heritage guarantees for a wide range of social services, including the right of citizens to free medical care.

Guarantee the full range of free health services has not changed since independence, and rather it was strengthened by the new Russian constitution and new laws on the financing of health care. At that time nobody thought that it is possible to use health and life insurance. Until the late 1980s, the structure of services Health in the Soviet Union was highly centralized. After the collapse of the health system has a new decentralized administrative structure and is currently divided into federal, regional (provincial level) and municipal (regional level) levels. 30% of the population receives primary medical care through insurance by the employer. Employment for some groups, such as police, railroad workers, and senior government officials, there is a range of specialized medical services. In 2006, the Russian government launched a national project, which aims to improve the situation in four sectors of Russian life, one of which is health. The government has allocated an additional $ 3.2 billion on health care costs to cover wage increases for doctors and nurses, purchase of new equipment for the clinics and the construction of eight high-tech medical centers in remote regions of Russia. Since regional governments are financing part of health care costs, standards and health statistics changes drastically in different regions of Russia.

Lenin Portrait

History of MMM (original article) Externally tickets reminiscent of Soviet gold coin (he, in fact, was taken as an example), but instead a portrait of Lenin in the center there was a portrait of Sergei Mavrodi. By placing his portrait, Mavrodi acted quite sensibly. He believed that it was "psychologically accurate. "Once a man so openly and without fear printed his portrait, he never going to run" 15 million depositors, one third of the national budget, price increases of 127 times, etc., ave been made to them in just six months. Represent Sergei Mavrodi (remember us by MMM, Leni Golubkov, and his wife and Brutus by clips) to the majority of Russians bestolku … Many people remember, and many … recent contributors (paid profits first and other structures) remember bad words ..

Younger generation Mavrodi interesting from a historical point of view, all the same people managing the whole scheme on the phone, genealny its own way, has the support of at different levels – made large-scale – showed the country's laws in all its glory, the greed of people and stupidly threw .. (Or rather not given until the end of dokidat ..) It's a kind of ChegevaroPonzi, well, a couple of notes with sources … Trying to find a way out situation and to bypass the restriction on issue of shares, Mavrodi just two months after beginning work into circulation so-called "tickets MMM, non-formal securities. ("Well, so do not stop! ") price of one ticket was equal to one hundredth of the share price (by analogy with the money: pennies, and rubles).

United States Economy

Bonds were and are the heart of the financial system. Volcker’s shock therapy for the economy has meant enormous profits for the New York financial circles. Here, Douglas R. Oberhelman expresses very clear opinions on the subject. So, the first – to serve their interests the Yankees easily change the value of its macroeconomic indicators. Second – when the Yankees say ‘we are saving the U.S. economy and, consequently, the economy of the world’ do not believe them.

And in both cases the shadow rulers of the world economy priberayut to their mischievous little hands denzhonki strangers. As is well known, murky waters of big fish caught – now there is MAJOR redistribution of property. Plans for the database to resolve the crisis Option number One. The Government does not approve of the selection to ‘rescue’ the economy 700 yards (highlight a couple of days ago). In this If the dollar devalues automatically to new lows with no options, for Jews, in particular, an updating of the peaks above 1.60. Option that number. Government approves plan. After that, as zashyut slightest their holes, will squeal is not about saving the economy, and on post-crisis recovery.

Then they will need to loot. And for what it would be the most loot again flowed to the United States should restore the country’s image Pindos as a financial center where all quiet bagopoluchno and attractive. What to do this. 1) raise interest rates in order to image the attractiveness of U.S. assets, 2) arrange with the heels of local wars in order to frighten investors and make them seek safe harbor.

Russian Navy

As noted, the second place was taken by Armenia, where the pace industrial growth reached 10.9 percent, the third – Ukraine. 10.8 percent, in Tajikistan – 10.6 per cent, -10.4 per cent in Kazakhstan, Belarus – 10.3 percent. In Russia prom.proizvodstvo for the period grew by 8.9 percent, in Moldova – 6.3 percent in Azerbaijan – by 3.1 percent. -… Empam.html 7. In the last issue we looked at the success of commodity giant – aluminum, metal, etc. Electrolux is often quoted on this topic. Oilers 'up' after a crisis in the spring. Now, new victory of the auto-corporations! And so our AvtoVAZ also breaking records for profit! German carmaker BMW reported an increase in net profit for the III quarter of 2010 at 11.2 times – up to 874 million euros. Andreessen Horowitz does not necessarily agree.

A year earlier, the company managed to earn only 78 million euros. These figures are released in now report the automaker. At the same time revenue increased by BMW for the 3rd quarter to 35.6%. BMW was founded in 1916. and operates three well-known brands of luxury cars – BMW, MINI, Rolls-Royce Motor Cars. 8. Black Sea Fleet, which is currently involved in the protection of ships from pirates added a new frigate.

The St. Petersburg shipbuilding company flax 'Severnaya Verf' was launched on the head of the Russian Navy frigate "Admiral Sergei Gorshkov ', designed by 22 350. Displacement vessel is about 4.5 thousand tons, length – 130 m, maximum width – more than 16 m. Range is more than 4 thousand miles. Frigates type 'Admiral Gorshkov' designed for operations in the near and far sea zone, and also for a wide range of tasks in the oceanic zone.

Uffizi Gallery

Italy – this is one of the most interesting countries and every person, regardless of whether he attended ever this country or not, has their own opinion about it. Her name is associated with olive oil, immortal mob the ruins of ancient Rome and Renaissance palaces, is a land of wine, pasta, and high fashion. The image of Italy is made up of many components, each of which is attractive and interesting in its own way. But do not limit Only these images. Italy has a more diverse and contains a lot more value. Each person must do something to do with Italy.

Someone comes here looking for a beautiful life, someone – see famous landmarks from his childhood: the Cathedral of St. Peter's, the house of Juliet, the Uffizi Gallery, Pompeii, etc. Meanwhile, there are many interesting places to visit in Italy, visiting the Cathedral of St. Peter's Vatican can stroke the right leg of Peter. According to the Italian tradition is to bring good luck into your life. In Verona, Juliet's house is located where the patio is the monument to her. Touching the right breast of Juliet, you will meet your love.

Sure, dreams do not always coincide with reality. Further details can be found at Ben Horowitz, an internet resource. The exception is, perhaps, Milan – are the center of world fashion, the famous theater 'La Scala'. Near the theater there is a huge gallery, where you can buy a good clothing and shoes, and then, tired of long trips to the shops, sit down to relax with a cup of coffee. Roman streets resemble a maze. If you go on a street in Rome, come back just for her, or necessarily lost. And, of course, the most special Italian city – Naples. Many will remember the old Italian films, where the husband and wife are constantly yelling at each other, they have a lot of children, and from apartment windows constantly poured dishwater. This has been to Naples. And be careful on the road! Machines do not allow pedestrians and fly like crazy and there are no traffic lights! Cops (in Italian – karboneri), unfortunately, too few. If you go to relax, better refuse to August. First, the so-called 'high season'. Prices at this time is much higher than, say, in July. Second, in August in Italy – the 'dead' season. One gets the impression that the whole country on vacation. Stores, pharmacies and many other institutions are closed, while the hosts relax at beach resorts. By the way, this is the only place to go, even in August. The warm, gentle sea, clean, well-groomed beaches and numerous attractions. And, Finally, in August – the month when the temperature surpasses 40 degrees Celsius. And yet, despite these features are not always pleasant, Italy – an amazing country, and we must at least once to plunge into the atmosphere of 'purely Italian 'mix of noise and swearing, laughter and beauty. Source: Le Felcete

Fokinsky District Court

In addition, the law increasingly defines the range of information to be protected, naming as 'other information'. By virtue of Part 2 of Article 3 of the Civil Code should apply rules, so you must remove the existing contradictions between the laws. Such contradictions abound. For example, the Federal Law 'On Banks …' gives exhaustive list of authorities and officials, who can get the information constituting bank secrecy, and art. 41 FZ "On Restructuring of Credit Organizations' on 07.08.1999 and establishes the right of the Agency for Restructuring credit institutions to obtain information constituting bank secrecy. Such inconsistency in the law are often the reason that the banks receive inquiries on accounts and deposits from persons not eligible: lawyers, bailiffs, etc.

In some cases, officials illegally used measure of responsibility to the employees of banks for refusing to provide information. Thus, the decision Fokinsky District Court of Bryansk on 12/05/1999 established the illegality of the measure of responsibility bailiff deputy head of the Bryansk Savings Bank of Russia for refusing to provide information constituting bank secrecy. A large number of problems associated with the implementation of paragraph 8 of Presidential Decree 23.05.94 N1006 'On the implementation of comprehensive measures for the timely and full inclusion in the budget of taxes and other obligatory payments' providing for the obligation of banks and other credit agencies to inform the tax authorities to commit individuals (including non-residents) operations for an amount equivalent to 10 thousand dollars and above. According to many researchers, the decree contradicts law and in practice, many banks simply ignore it. In our opinion, the most correct would be to establish the possibility of obtaining information constituting bank secrecy, only by court order, as in many foreign countries (Switzerland, Luxembourg, Germany).

This would increase confidence in Russian banks and to ending 'outflow' of capital abroad. However, this measure requires a change in procedure legislation that currently governs virtually no procedures for obtaining and using confidential information. With the development of the Internet becomes very important issue of ensuring banking secrecy in their operations through telecommunications. This issue is relevant also because, until that legislation is not installed the application systems 'Lawful' (a system of operative-search activities on the networks of documental). (Proceedings of the SORM see:) Thus, the institution of banking secrecy has not yet received a clear legislative regulation, the need is clear for construction rule of law and economic development.


Kiko Lyaneras, creator of the site, examines the decline in property values in Spain, based on available data. He succumbed to widespread criticism dissimilarity information in respect of data, depending on who their provides. Lyaneras believes that "the simple question" How much prices have fallen? "Is actually very difficult to answer. We have a large amount of information, but they are inaccurate, inconsistent, and although it is believed that these data are the same, they are a bit different. " Therefore decided to compile Lyaneras data from three sources, which are considered the most important and significant: the normative price of real estate (Ministry of Housing), the estimated value of the property (data Sociedad de Tasacion – the leading organization for real estate valuation expert – approx. interpreter) and a starting price of housing sales in the secondary market (as a source of data he chose Thus, we have three interesting graphics: Lyaneras said that this figure raises some doubts on the one hand, "there does not appear" black "payments, that would mean that the real decline in prices was in fact a large (if we assume that the "black" payments have little value) "and the other – new housing goes into the ownership of several months late, after it was agreed the final price. Regarding the assessment of housing, the author points out that "the valuation of the property always seems surrounded by skepticism: after all, this method is partly subjective, and its results depend on the interests of agents (eg banks) and it seems to me that when assessing the value of property is generally underestimated, even though it is convenient for home buying on credit. " Relative price index of the expert notes that "this is the starting price and no final, and that should expect that market shrinking, as now, the negotiations will be tougher, and therefore the final price will be much lower than claimed. " The same was said and on, where it is noted that the final prices often much lower than initially announced due to personal negotiations between the buyer and seller. From the findings Lyanerasa can say that prices continue to drop, and trying to give a definite answer on how to how much property prices in Spain fall, meaningless, because the price of each home depends on many factors, such as "area, type, age or location of the property." And finally Lyaneras emphasizes the importance of tracking data on the number of transactions, as an indicator to "anticipate future sector." Source: Property in Spain


If a person has a need for additional income, then the easiest way may be a bank deposit with monthly interest payments. Then the question arises about the value of such deposit to profit from it equal a certain amount. Of course, this sum is not small, but usually a few times in her life, she is available to most people. Then the person has a choice – either spend it on durable goods consumption (cars, apartments), which, however, will generate a negative return on content. On the other hand, this amount can make a substantial asset with an income that will be important for the owner. Here I show the calculation of this magnitude. Assume that the consumer needed extra income as a share of (n) of their basic income (salary – Z). Period of payments is a month for which the consumer receives the interest with your deposit of size N, with an annual interest rate r.

! in the formula must be substituted values of n and r is not in percentages but in fractions of a unit (for example, instead of 30% must be substituted 0,3) Thus, we need the amount of interest on deposits for the month equal to a percentage of salary consumer: N – size of the deposit, Z – Salary consumer, n – the share of additional income from wages (for example, 0,4 ie 40%), r – the annual deposit rate (eg 0.13). Example. Let us obtain the average salary of 15,000 rubles, and want to earn extra income in the amount of 40% (n) of the salary. We want to open a deposit with an annual rate of 14% (r), so the monthly interest on it were equal to this additional income. Thus, we need a deposit of 514,000 rubles to receive monthly interest equal to 6000 rubles. (= 40% of salary). In this case, the deposit amount remains unchanged.

However, even if a deposit is not reduced nominally, its real value declining inflation. To take into account the impact of inflation, interest must be received divided by the part that will increase the deposit in proportion to inflation, and the remainder used as additional income. Assume that inflation in the year amounts to inf (for example, 11%), then the formula will change as follows: In recent years, the inflation rate is comparable with the rates on deposits, so you should look for other investment assets that provide returns of 20%. These may make structured products (eg, ordinary deposit + option to oil, etc.).

Declaration Property

The carrying value of the corresponding group of fixed assets reduced by the cost of fixed assets in the event of their transfer to the lessor (landlord) in finance lease (rent) in the manner provided for the sale of fixed assets. In this case the lessee (tenant) increases the carrying value of fixed assets of the group in order provided for the purchase of fixed assets. In addition, under subparagraph 8.1.2 of paragraph 8.1 of Article 8 of the profits are subject to depreciation expense of the taxpayer for the purchase of fixed assets. In the case of operational leasing state and communal property ownership costs for their purchase does not occur. On this issue in its letter of 21.05.2004 4058/6/15-1116 STA, referring to part 3 of Article 23 of the Rent Act, explained that '… 9294634833278’>ARC Investment Partners. Depreciation deductions for fixed assets as part of integral property complexes of leased enterprises, their divisions charges and reserves at its disposal a tenant who used them to restoration of leased fixed assets'. Same paragraph also found that ownership of property acquired by the tenant at the expense of depreciation, belongs to the owner of leased property (state), unless otherwise provided in the lease agreement. Therefore, the depreciation of fixed assets and intangible assets as part of integral property complex leased identical Ltd. Depreciation of fixed assets of their own, so the amount of depreciation that fixed assets and intangible assets should be assessed in accordance with paragraph 8.3 of the Law on income and reported in line 07 Declaration of income tax and enterprise application in R1 to it.