It's time to think about how we greet the new, 1999-th ... sorry, 2009. I'm so often negotiated, two times in my life I was a millionaire, in 1998 and 2008, and both times it ended the same way: the action, which I owned in the fall and both years turned into utter nonsense ... Deja vu, in short. Personally, I remember that this crisis and how it can not fight, no, because it is useless, but rather co-exist. Here is a list of useful activities for weatherization mink in anticipation of cold weather. Because the cold coming up, do not have illusions. 1. Not write a will, there is - a summary. Or bring existing ones into line with reality. It is likely, it will need you soon, regardless of who you are by profession, and where working on. If you're a financier, especially the analyst, this advice is for you once - you have already written. If you're a marketer, write soon - marketing budgets are always cut first. If you do not remember when you last had a 12-hour working day - write without delay, a company in search of those who reduce, eliminate all loaded enough, that is not overworked. And if you think you are irreplaceable, consider whether your company will survive in the absence of debt financing and decreased demand for all but the cheapest of essential commodities. And if you are in doubt - write. When write, think, in which three places you can send a resume or include in case anything happens. Be prepared. 2. Carefully review your personal balance. First liabilities. Do you have any debts? What are they? Reread all the credit agreements. If the contract gives the bank an opportunity without the consent of the client to change the interest rate, make every effort to repay the loan. Even if he and a large mortgage. Because there may come a time when the monthly payments will be for you unfeasible. Also try to pay off all foreign currency loans. The ruble is overvalued, and times when the falling dollar allows you to take virtually interest-free loans to people with ruble salary gone. You can not extinguish the ruble-denominated loans with rates up to 15% - there is a high probability that they are something just for you will be essentially non-interest bearing. Well, take new loans are now worth only if you have no other choice. In this case, you have even a hurry - the money will go up rapidly and steadily. 3. Now assets. Do you have savings? If they invested in shares of mutual funds or stocks of large companies, and not invested in early October 2008, to touch these savings eaten by mice no longer available. Sooner or later the market otrastet. He always does. Question "when?" better not to torture myself. After August 1998 the market took almost five years to return to the peak values ??of 1997. Do not count on a quick rebound and now. Just consider that the money you do not - you are much more long-term investor than they wanted. But in historical perspective it does not matter. If the money deposited in banks, remember that the system of deposit insurance protects the savings of up to 700,000 rubles, or fold the eggs in one basket. However, for early withdrawal of deposits is now no reason: the state is explicitly configured to avoid casualties in the banking system, and the money he did not have the example of more than 98 meters. Here's the spring of next year the situation will probably look worse for investors: money and good will of states are finite. 4. If part of your assets - real estate, first do not count on revenue growth from its lease, but rather laying their downfall. Rents will fall sooner than the selling price. We must be prepared and to ensure that next year's exchange of the Moscow "three rubles" on a house in Provence, it is quite possible now that would be problematic. Property prices are relatively stable because it is still, in fact, not a speculative market, and the chief regulator of the market in times of crisis - the reluctance to part with property sellers at a price below that which was paid for an apartment or house. But housing still inevitably fall in price, though, because mortgages are now finally becoming available. Even those few banks that still have their issue, set high rates and are becoming picky to the borrowers. Meanwhile, it is the availability of mortgage in recent years, drove prices up, whatever is said about other causes of Realtors. 5. With assets and liabilities to understand - it's time to think about cash flow, that is, how come and leave your cash. In order to buy luxury items, the time is now extremely bad. Money may soon be needed for the necessary, and show-off would look ridiculous even in the eyes of those whom they have recently impressed. Think about how silly you used to spend in the last five years - and how, in essence, all that nonsense you are bored. Change the supermarket at a cheaper - you'll thank yourself for that decision very soon, when the money would have to be considered. Postpone expensive trips - they will soon become much cheaper, including due to the imminent crisis for the global drop in oil prices, which reduce the cost of airline tickets. Well, it is clear that the owners of hotels, for example, there are many opportunities to cut costs - their money is invested in real estate, which should always bring at least some income and not empty. 6. I have already said - write a resume? I think so. 7. Prepare to be not only a new place, but the old you will be paying less than you're used to. First, lose weight or disappear bonuses, in whatever sector you are working. Then, perhaps, the chief shall invite all the loyal employees to tighten their belts and accept a decrease in salary. It is very likely that he even begins with himself, because he remembers the 98-th year and has already consulted with colleagues, but also because it is easier to cut personal consumption - for this he has more diverse opportunities. 8. Think about the soul. When the crisis is over, so maybe you will not be back. 9. Require revision of patriotism, which you could develop in the 2000's. Did you think that in Russia occurred stability? In vain. It was the rapid growth that has more in common with the rise of a rollercoaster than a smooth ride down the avenue on the Mercedes. You are in this growth were blameless - it caused a rise in oil prices and low interest rates, your wages grew faster than your performance. You thought that Russia stood with his knees? It all the time just went about his business and goes now. America has entered into a real crisis - with the fall in housing prices, layoffs, falling consumption - before Russia. In this she was lucky: she will get out before the pit. Us all that we recently learn bad about America, just ahead. When reality starts to bite at things is better to look sober. 10. And the rest - life goes on. Any crisis - it is part of the economic cycle, and in any crisis is always saying that the world will no longer be the same. But everything is back to square one, and during this sinusoid can not be changed. PERSONAL Leonid Bershidsky was born in 1971 in Moscow. He studied at Moscow State Linguistic University. He graduated from business school INSEAD in France. He worked as editor of the business newspaper The Moscow Times, editor in chief of the weekly "Capital". From 1999 to 2002 - chief editor of the newspaper Vedomosti, later worked as a publisher of Russian versions of magazines Newsweek, Forbes, Hello!, Ogonyok magazine, editor in chief of SmartMoney. Currently - CEO of the holding company CIT Finance.
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