понедельник, 11 августа 2014 г.

About me and my friends.

It was my public profile in 2005-2007: http://panteleimon-43.narod.ru/
I try to be cheerful, joyful, interesting, fervent, nice and if it is
necessary for my survival and development - the fighter and even the
worrier, strong, proof and precise, but, whenever possible,
correct and adequate. Cool, huh? I'm a joyfull, handsome, interesting,
developing, sporty guy, macho-style of behavour.
I want to have good, reliable, strong, cute, nice, interesting friends
in different counries of the World. I'm working hard on my
clairvoyant, intuitive, feeling side in an effort to become a more
wholer, integral person.
I'm sincere, loyal, descrete & confident!
My interests include all types of sports from bicycling to boating & sailing.
Walking in the park also could be pleasant.
I enjoy the outdoors as well as quiet time at home just watching a movie.
I dislike nagging, constant mood swings, nitpicking, dishonesty.
I like fire-places & good wines.
Sometimes I'm also intrested in reading & viewing science fiction (as
Ray Bradbury, Paul Anderson etc.).
I like touching, hugs & kisses, massage.
I'm sensitive, sensual, committed to spiritual growth.
I like to go on cruises, anything involving water, foreign travel.
I like to laugh and know you're happy when I can harmoniously make you
smile & laugh also.
When I was a teenager I went in for taekwon-do and was a model-boy.
I dreamed to become a test-pilot...
I have never had any children, consider it's not a must and don't want
to have any in future.
Enjoy fitness, the sea, the beach, picnics; also quiet, intimate times.
Sometimes I enjoy playing piano & guitar, candlelight, dinners.
I'm a light social drinker. I'd like to develop my feeling of the
successful colour: RED or BLACK! I'm very casual, enjoy wearing
T-shorts & shorts -weather permitting.
Consider the most important think is to be happy & enjoy spending time
together with friends. I'm fond of outdoor recreation, love being near
the ocean.
I value better to be optimistic and full of energy than ugly.
I like dancing, horseback riding, enjoy new pleasant experiences, but no drugs!
Chillout, searching fun. In my childhood I dreamt to be a real young,
cute teenager and stable stocky, athletik, short is better than tall,
attractive, blonde, wellbuilt.
I like attending, festivals, carniavals, pacifist's actions, falk &
pop-concerts.
I'm fun-loving, easy going & have a good sense of humour, lead a
healthy lifestyle, open-minded.
I consider myself to be a creative, soft, attentive, clever,
well-dressed, romantic, intelligent, gentle guy. I know how to listen
& respond,
I'm tender and will respect your feelings, "love me tender & true!"
I dream to buy a 26-meter sailing yacht for world travel.
I enjoy the solitude of nature, action movies & suspense thrillers.
As I said, I'm without children & plan none.
I'd like to meet a slender natural girlfriend, who shares the similar
interests, non-drug user, trust worthy, honest & realistic.
I'm an adjustable person, in excelent health.
I know that the eyes are the window to human's soul and will enjoy
gazing into yours. Let's begin and see what happens.
I'm seeking a friend who would choose wisdom over experiency,
substance over fasion, friend before work; who views a relationship
also as a chance to grow & help grow.
http://public.fotki.com/patsan/
I want to be both wealthy & financially secured.
Take a moment to relax.
Before you do anything rash.
Don't you wanna know me?,
Be a friend of mine.
I'll share some wisdom with you.
Don't you ever get lonely,
From time to time
Don't let the system get you down!
I am new to the area!
I am laid back and soft spoken but I am by no means a shy person. I
would say that I have rich sense of humour but I am no a comedian.
I try to stay in shape by running and doing other exercises but I am
no fitness freak...
I'm not religious, but am very spiritual person.
I belive in a peaceful & wonderful life.
Kind & Good Gardener, so-called God, the Superme Spiritual Being
(Creature), the Supereme Force, EI Creature who governs normal EI
beings, Special Love Creatures & Future Creating Beings, and both fair
and light angels & dark demons,    controlling-observing all the
Universe, all the Worlds apart and alive, The Earth, all Mankind
etc!!!!! It concerns to the FUTURE of the Earth (of our planet)!
I don't foget anything and i try to remember everything! And BOCAL DE
FURTUNA! Noroc! I like jokes (glume), smth like that:
"No girls, no drugs, no rock'n'roll!"
But this is not a joke! It's serious!
The God owes me money.
What shall I do now??
I need money & flat.
I have worked for him much.
The God is my debtor at the moment.
I must keep on loving God when human happiness is lost.
It's the rejecting of everything that prevents love: hatred, offence,
blame and dejection.
It's to see the will of God in everything which is around.
Sure, I accept the will of God & its divine positive meaning, which is
not always dependent on Me.
I understand the fact that any situation, however unjust and horrible
it may be, leads Me to God and hence to love. Since God, Lord,
Creator, is the symbol of the greatest love in the Universe.
God must pay me money (big $$$).
It's a must! I've done too much for him. Earlier I already wrote it.
When some years you live only by spirituality, EI development, magic etc.
you waste for own spiritual searches yr earnings, later it is very
hard to be adjusted to earning money, working as businessman.
There're many options, variants, ways to earn money - also it is
possible both as FOREX dealer and playing in casino.

State Bank of Mauritius LTD for trading & commercial Tax Free IBC.

Swift Code (BIC)
BOMMMUPL
Use this code for an International Bank Wire Transfer to Bank of Mauritius, Port Louis, Mauritius
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Bank
Bank of Mauritius
Address
SIR William Newton Street
PORT LOUIS
City
Port Louis
Country
Mauritius

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„KONTORA ABAŞKINIANĂ” sau Un basm despre koroleviciul gazelor

Să fiu onest? Ba nici gînd!
Musai e gaze multe eu să vînd
La un preț cît mai piperat
Și să mă simt al țevii împărat.
(folclor)
Ascensiunea în carieră a dlui Ghennadi Abașkin, cel care a deținut postul de președinte al Consiliului de Directori ai ”Moldovagaz” SA din decembrie 2002 pînă în iulie 2008, ilustrează perfect sloganul fondatorului majoritar al întreprinderii la timona căreia s-a aflat acesta: „Visele se realizează!”. Doar că… s-a realizat numai visul dlui Abașkin.

Ajuns în fruntea unei companii atît de importante grație relațiilor strînse cu clanul Voronin, dl Abașkin a fost suficient de înțelept  să înțeleagă că destinul nu-ți oferă o astfel de șansă decît o singură dată. Iată de ce Gehnnadi Alexandrovici, cu concursul activ al amicilor săi din tabăra comunistă, s-a apucat, asemeni unui tăietor de pădure, să „ciopîrțească” de zor bugetul întreprinderii ce i-a fost încredințată. Iar pentru ca prejudiciul adus acestui agent economic, dar și statului să nu fie un motiv pentru ca dl Abașkin pe bune să fie «delegat» la tăiat pădure în vreo zonă cu o climă mai puțin prielnică, Ghennadi Alexandrovici a împărțit cu multă generozitate din «puținul» ce-l avea la dispoziție cu toți guvernanții din acea vreme. În acest context chiar este binevenită evocarea, cu puțină parafrazare, a unor vorbe din poveștile populare rusești: „pe o ȚEAVĂ de aur stăteau în rînd așezați: domnul, domnișorul, craiul și crăișorul”!

Bunăoară, doar costurile de construcție a racordului pentru gazoductul de presiune înaltă „Tocuz-Căinari-Mereni” au fost majorate nefondat cu 46 464 700 de lei, inclusiv din contul mijloacelor „Moldovatransgaz” SRL cu 11 449 600 de lei și din contul mijloacelor Bugetului de Stat cu 34 997 100 de lei. Apropo, în primul caz era vorba de mijloacele incluse în tariful pentru gaze achitat de populația sărăcită, iar în cel de al doilea – despre pierderile Bugetului de Stat, bani care puteau fi, de altfel, orientați inclusiv pentru necesitățile sociale. În realitate, cîștigurile fabuloase au ajuns în haznaua unor companii off-shore din Belize și Gibraltar în spatele cărora se afla nimeni altul decît Ghena Abașkin al nostru. Talentele criminale ale milionarului clandestin Koreiko din „Vițelul de Aur” sunt fleacuri în comparație cu anvergura nelegiuirilor lui Abașkin!
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Pomenindu-se latifundiar, avînd în proprietate case de lux și iahturi, dl Abașkin a realizat că pentru a-și menține acest Eldorado inepuizabil, e necesar să-i facă pe plac și fondatorului său principal. Astfel, prin concursul activ al dlui Abașkin, Moldova a devenit prima țară din CSI care a ajuns să stabilească prețuri de piață cu Societatea pe Acțiuni de tip deschis „Gazprom”  – la nivelul de 400 USD pentru o mie de m cubi. De notat că până recent tariful pentru Armenia și Belorus constituia 80 de USD, iar Ucraina a adoptat prețuri de piață abia acum. Un simplu calcul al prejudiciului provocat de această decizie pe parcursul ultimilor 7 ani arată că pierderile sunt de ordinul MILIARDELOR DE DOLARI și ajung la o cifră astronomică de 2 240 000 000 USD! Bineînțeles că pentru un cadou atît de generos oferit „Gazpromului” dl Abașkin a beneficiat de noi oportunități pentru a-și achiziționa alte case, magazine, branduri, iar pe lîngă toate aceste chilipiruri grase i-au mai fost oferite la fel cetățenia FR și a nerecunoscutei RMN, pentru cazul în care va trebui să dea bir cu fugiții pentru a scăpa de furia, binemeritată de altfel, a oamenilor simpli și de eventualele acțiuni ale organelor de resort. Cunoscătorii afirmă că în cazul încheierii unor astfel de contracte profitabile pentru „Gazprom” monopolistul oferă lunar o recompensă grasă pentru a răsplăti demersurile în favoarea semnării contractului. Respectiv, koroleviciul nostru Abașkin, asemenea unui rentier, se bucură bine mersi și de simbriile asigurate lună de lună de către concernul rusesc.
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 Deloc întîmplător, după încheierea contractului „istoric”, care era total defavorabil Moldovei, dl Miller i-a oferit lui Abașkin chiar și avionul său personal pentru revenirea sa „victorioasă” în Patrie!

În plus, în calitate de bonus suplimentar, dl Abașkin și-a obținut și postul de Director al Reprezentanței Societății pe Acțiuni de tip deschis „Gazprom” în Moldova, cu oficiu luxos într-un loc tihnit în prestigioasa zonă istorică a urbei, cu o funcție ce nu presupune nici un fel de responsabilități și bătăi de cap. În acest sediu, la umbra teilor, într-o atmosferă confortabilă și relaxantă, lăsînd la o parte monotonia și forfota cotidiană, Ghennadi Alexandrovici se recreează cu un pahar de coniac scump în mînă.

De-a lungul anilor, în istorie s-au perindat mereu talente criminale, însă, spre deosebire de milionarul clandestin Koreiko, dl Abașkin nu-și camuflează deloc capitalurile agonisite pe căi necinstite și duce o viață de-a dreptul împărătească din care nu lipsesc apanajele specifice  glamourului și sibaritismului.
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To be continued…

Million-dollar savers take full advantage of their employers' 401(k) match and profit-sharing.

Some people have a million dollars or more saved for retirement, but most people have far less. USA TODAY asked Jeanne Thompson, a vice president at Fidelity Investments, for the best ways to boost your retirement savings.
Q: What are the characteristics of people who have a million dollars or more saved for retirement?
A: Last year we did a study of 401(k) millionaires in Fidelity-administered plans, and one of the key things they did to save their way to a million dollars was to take full advantage of their employer 401(k) match and profit sharing. About 28% of their 401(k) balances came from their employer. That includes their employers' contributions and the growth on those contributions.
We found that every year employer contributions boosted the average 401(k) millionaire's savings by almost $4,600. We specifically studied 401(k) millionaires who earned less than $150,000 a year, and we found they had worked at their company for more than 30 years. They were on average 59 years old. They also invested a significant portion of their savings in stocks and stock mutual funds. One of the key findings is that it didn't happen overnight. It took many years of saving and investing.
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Q: What else should you do to save $1 million in your 401(k)?
A: To start, it's critical to start saving for retirement in your early 20s, and aim to invest at least 10% to 15% of your annual salary to your retirement savings. The 10%-15% savings rate can be a combination of your savings as well as contributions from your employer, like company match or profit sharing. It's key to take full advantage of the company match and/or profit sharing. Next, ensure that you're investing for growth by holding a portion of your account in company stock or stock mutual funds. This is especially important when you are young with a longer time horizon.
The 401(k) millionaires we studied held an average of 75% of their assets in company stock and stock mutual funds and achieved a median annual return of 4.8% in their 401(k) over the 12-year period that we looked at. This annual return, combined with our millionaires' contributions and their employer contributions, brought their average account growth rate to 8.75%.
Finally, when changing jobs, don't cash out. The average tenure of our 401(k) millionaires with their current employer was 34 years, so most of them likely never had the option to cash out. But even if you don't end up staying that long in your job, you can imitate the behavior of our 401(k) millionaires by keeping your retirement savings invested for the long run by either keeping it in the plan, rolling it to the new 401(k) or rolling it over to an IRA.
Q: So it's really important to save up to the company match on a 401(k)?
A: Absolutely. Not to take advantage of that is really leaving free money on the table. The majority of 401(k) workers are in a plan that offers a company match, and many don't take advantage of it, either by not saving in their 401(k) at all, or not saving enough to get the full match available.
Q: Not everyone needs a million dollars in retirement savings. Realistically how much should you save for retirement?
A: It's true, not everyone needs a million dollars in retirement. Some will need a lot more, and some will need less. To help provide a gauge, Fidelity developed a general rule of thumb, which is to save at least eight times your salary by age 67. Some people may need 10 or 12 times their salary depending on how much they plan to spend in retirement, and if they plan to retire earlier than age 67. The earlier you retire, the more money you'll need to save. At the end of the day, it's critical to develop a retirement plan based on your own needs.
Q: What is your advice on investing in the stock market?
A: It's important for people to remember that they are in it for the long haul. Saving for retirement is more like running a marathon than a sprint. But you want to make sure that you're not taking on too much risk by holding too many of your assets in stock or stock mutual funds.
Some people have 100% of their portfolio in stocks and stock mutual funds, and others have nothing in them. Neither is a good plan. If you are 100% invested in stocks and stock mutual funds, you are taking on too much risk. When the market is riding high, you can never be sure how long it will last, and if it suddenly tumbles, you could take on more losses than you want. Similarly, if you have no money in stock mutual funds, you might not earn enough to keep up with inflation.
If you don't have the stomach for the ups and downs of the market, then consider a target date fund or managed account, which is like a shock absorber for your 401(k). It can smooth the ride. You may not achieve the highest high when the market's up or the lowest lows when it drops. It helps to manage that risk for you.
Q: What advice do you have for people nearing retirement who do not have enough saved?
A: The first thing I would recommend is to max out their 401(k) contribution. They can contribute $17,500 a year. And if they are 50 or older, they can contribute an additional $5,500 a year. The second thing is adjust their retirement date. If they were planning to retire at 62, they could consider retiring later, at 66 or 67. Another option would be to delay taking Social Security until they are older, to increase the amount they will receive from Social Security. And finally, they could consider a part-time job or downsizing their home.
Q: What if you don't have the desire or time to manage your retirement savings?
A: Many people think they have the time to do it themselves, but our research shows they don't actively go in and manage their accounts regularly. People who do not have the will, the skill or the time to manage their retirement investments might benefit more if they had professional management. Eventually you'll have to turn your 401(k) into a retirement paycheck, and small changes and keeping tabs on it can make a big difference in the long run.

US sanctions not mere ‘trifles’ for Russia’s oil industry

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Gennady Timchenko is grounded. Ever since the Russian billionaire and friend of Vladimir Putin was hit by US sanctions back in March, his private jet has been stuck on the tarmac: Gulfstream will not service it or provide spare parts.
In an interview with the ITAR-TASS news agency this week, Mr Timchenko admitted that the US penalties had caused him “certain difficulties” – but these were “trifles” compared with the task of safeguarding Russia’s national interests.
On this topic

IN Oil & Gas

Mr Timchenko is one of the most high-profile targets of a sanctions campaign aimed at Russia’s most strategic industry – oil and gas. Last month the US Treasury in effect barred Rosneft and Novatek, in which Mr Timchenko has a 23 per cent stake, from long-term US capital markets.
Yet such sanctions could turn out to be as trifling as Mr Timchenko’s little local difficulties.
Take Rosneft. The Kremlin-controlled oil group took on huge amounts of debt to finance its $55bn acquisition of TNK-BP, BP’s Russian joint-venture, and much of that is short term. It has to repay $20bn of loans by the end of the first quarter of 2015, according to Moody’s.
But the risk to its liquidity is minimal. The company has about $20bn of cash on its books, after receiving upfront payments for oil under long-term contracts from China’s CNPC, Glencore and others. It has said it will use these prepayments to finance the upcoming debt maturities.
Even without them Rosneft would have a lot more flexibility than most other big companies. It generates oodles of foreign currency from the sale of its oil, which no one shows any sign of boycotting. It also has privileged access to financing from state banks. If the worst came to the worst, it could also postpone some of its big projects to reduce the need for new loans. Igor Sechin, chief executive, who like Mr Timchenko has been targeted by personal sanctions, said as much last month.
Novatek, Russia’s largest independent gas producer, is also sitting pretty. It has a $350m syndicated loan falling due within the next 18 months, but generates enough cash flow to repay it in full if refinancing proves impossible. Like Rosneft it can tweak its capital expenditure programme to conserve cash if it has to.
But access to debt finance is only part of the problem. What could prove more of a headache are the EU and US restrictions on the export of technologies used in Arctic, deepwater or shale oil exploration. That is a smart weapon trained directly at Russia’s future.
Production from the ageing workhorses of the country’s oil industry – the vast conventional oilfields of western Siberia – is dropping off sharply. Moscow is determined to offset that decline by pushing beyond frontiers, such as into the oil-rich Arctic oceans and Siberia’s vast Bazhenov shale, and by investing in multibillion-dollar liquefied natural gas ventures in the Yamal peninsula and Sakhalin island. Such ambitions are crucial for Russia’s economic health, with proceeds from oil sales accounting for 44 per cent of budget revenues. It is a cash cow Moscow cannot do without.
But branching into such areas requires access to western technology, capital and expertise. Russia does not need western kit to produce conventional oil – it has been pumping crude from its onshore fields for more than a hundred years. But it is unclear how it can exploit its shale oil reserves without sophisticated western fracking equipment. And it does not build the kind of offshore platform that will be required in places such as the Kara Sea, where Rosneft and ExxonMobil started drilling their first well on Saturday. (Exxon’s well is unaffected because its rig was contracted before the latest sanctions were announced.)
Russians are nonchalant about the restrictions, saying they can source equipment from Asia instead, as well as tapping domestic producers. But analysts are downgrading their forecasts for Russian oil production growth. Morgan Stanley had assumed Russia would be producing an extra 250,000 barrels a day from its shale deposits and virgin Arctic fields by 2018 – which it says are now at risk. Barclays thinks production will fall in 2015, dragging non-Opec supplies down with it.
Mr Timchenko has responded to the sanctions by relocating to Russia from Switzerland, settling in a big house decorated with Soviet art in the socialist realist style. He has sold his stake in Gunvor, the Russian oil trader he co-founded, ditched Visa and switched to a Chinese credit card.
The west, he says, is a great place to spend money and have a holiday, but he “breathe[s] more easily in Russia”. After the latest sanctions, and despite Russian rhetoric, the same cannot be said for the country’s oil industry.
Guy Chazan is Energy Editor at the FT. John Authers is away.