Tag Archive for financial

Psychological Portraits

Teaching professional collectors, security officers and credit managers, within the framework of "learning centers collector, found that convenient for the practical application of psychological typology Debtors are still unavailable. Attempts few authors have reported their achievements or psychological in nature, that is, to classify using criteria weakly related to personality characteristics the debtor, or, conversely, overloaded complex psychological tools that make them suitable for use only in the offices of professional psychologists. At the same time, workers of the front collection of debts say that they need in a practical application of the typology of troubled borrowers, as it facilitates the choice of strategy and tactics of influence on them. As a result, generalizing the practice of various models in of the collectors I developed a convenient model of typology, which contains the criteria, the evaluation of which allows the debtor to include one of four types. Of course, each of them has subtypes, but familiarity with them is not fit into the scope of this article, therefore, restrict the overall typology. The first criterion – this is the level of mental activity of the debtor.

It is defined as an integral characteristic of the psycho-emotional tone of a man. Extremely high level of mental activity corresponds to the so-called manic phase, and extremely low – the depressive phase. Between these two poles and is the whole palette of levels of mental activity of the individual. Each one of us is inherent in a sector of the scale, in which we are a big part of life, depending on their temperament.

Real Estate Market In 2010

During the past year the housing market was malopredskazuem and experts were hesitant to do at least relatively accurate predictions, each of them saw at least two or three options for the development of the situation. Only at the end 2009 appeared the first more or less confident statements about the ensuing stabilization. Making predictions for next year, analysts are not without reservations, but nevertheless promised that at least its first half will be quiet – no sharp jumps and drops in prices for zhile.Mifologiya crisis nervousness caused by the unstable situation in the housing market and economic crisis in the country as a whole, has created among the citizens of two stable myth. Popularity of these myths in contributed significantly to the media, who immediately picked up and spread the news of falling house prices. The first myth was associated with greatly increased the availability of housing. Since the beginning of the crisis expert forecasts agreed on one thing – the price of apartments will be reduced.

The numbers at the same time called the most different: 30 or 40 and even 50 percent. Wait to buy an apartment for half price, of course, like many people – and they left the market to wait for 'bottom'. However, the findings analysts for the year indicate that the market has certainly dipped, but not enough. For example, according to the 'Miel', the average price in the secondary market in Moscow decreased by 17.5 percent in rubles and 24.7 percent in dollars.