1- where did the crises rise from Hard to say exactly as it was a mixture of events but over-leveraged banks and a crazy mortgage system which notbody except brokers and the "end user" could benefit from. Mainly it was a US problem but the fact that the rest of us that depend on them so much made it ours too.
2- is it a financial crisis or it will effect the real economy Yes, it will. Very much so. I'm hoping that this (Russian) economy will bounce back quickly and some stability will soon follow but this is simply hope. People are already spending less and whether it's because they're saving or simply skint is hard to say. Maybe a mixture of both. The economy will definitely change dramtically. 3- how is Russia effected from the crisis do you expect and kind of bankruptcy here There will be lots of bankruptcies here and I hope there will. Too many companies made crazy money from providing poor service or quality items or simply used endless credit-lines to finance their mistakes. This could clear out a lot of trash in the market but sadly some of the up-and-coming businesses too. 4- Any idea about oil prices where it will stop upward on dawnword Goldman and others predicted $250 barrels when many others predicted $50. Russia budgets on $70 per barrel so let's hope it doesn't go below that for physiological reasons. The upside is that the dollar will strengthen against the ruble. The treasury bonds in the US are a safe(ish) bet at the moment and trillions of dollars around the world are being invested in them. The fact that they can only be bought with dollars means that there's a very big demand for USD now. Hopefully, that will continue! 5- what is the expectation about the future of the crisis That's the million dollar question but from experience, those with money (cash!) now will be the ones who will be rich and happy in 3 years after their stocks and real estate have bounced back. Regards, Nick ----- Original Message ---- From: acakmak <[EMAIL PROTECTED]> To: [email protected] Sent: Friday, October 10, 2008 12:58:18 PM Subject: Expat List RE: Expat Digest, Vol 48, Issue 16 Hello everybody I would like to open up a debate on the crisis that we face now as we are a multinational group of people on the list we can come up with some answers that most of us are looking for . I below write some questions in order clarify the main parts of the topic but everbody should feel free to add details Alkas Questions 1- where did the crises rise from 2- is it a financial crisis or it will effect the real economy 3- how is Russia effected from the crisis do you expect and kind of bankruptcy here 4- Any idea about oil prices where it will stop upward on dawnword 5- what is the expectation about the future of the crisis We can have more of them but i guess it is enough -----Original Message---- From: expat-bounces+e e [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of [EMAIL PROTECTED] Sent: Friday, October 10, 2008 10:57 AM To: [EMAIL PROTECTED] foow will itieffect on the Subject: Expat Digest, Vol 48, Issue 16 P with some good answera Send Expat mailing list submissions to [email protected] To subscribe or unsubscribe via the World Wide Web, visit http://www.lists.ru/mailman/listinfo/expat or, via email, send a message with subject or body 'help' to [EMAIL PROTECTED] You can reach the person managing the list at [EMAIL PROTECTED] When replying, please edit your Subject line so it is more specific than "Re: Contents of Expat digest..." Today's Topics: 1. Looking for comments/opinions/personal accounts on Russian mortgages (Jessica Bachman) 2. Re: Expat List 3. Bank Deposits (jeffrey wilgus) (John Heisel) 3. Tapestries (Dattatraya) 4. Re: Expat List 3. Bank Deposits (jeffrey wilgus) (Johan Hultman) ---------------------------------------------------------------------- Message: 1 Date: Thu, 9 Oct 2008 10:25:41 +0400 From: "Jessica Bachman" <[EMAIL PROTECTED]> Subject: Expat List Looking for comments/opinions/personal accounts on Russian mortgages To: [email protected] Message-ID: <[EMAIL PROTECTED]> Content-Type: text/plain; charset="iso-8859-1" Good Morning everyone, I'm writing an article for *The Moscow Times *on new mortgage developments on the Russian market. Banks have significantly upped the initial down payment for borrowers - it is now between 20 and 30 percent. Is anyone here experiencing problems getting a mortgage? Or, was anyone planning to get a mortgage in Russia and decided to reconsider now that the nonpayment and interest rates have changed in connection with financial turmoil? Any comments, opinions or personal stories would be appreciated! Also, if anyone knows of anyone currently involved in getting a mortgage, could you pass on their contact info? Thanks in advance! -Jessica Bachman Please e-mail me at [EMAIL PROTECTED] -------------- next part -------------- An HTML attachment was scrubbed... URL: http://www.lists.ru/pipermail/expat/attachments/20081009/70f096ed/attachment -0001.html ------------------------------ Message: 2 Date: Thu, 9 Oct 2008 08:22:39 +0400 From: "John Heisel" <[EMAIL PROTECTED]> Subject: Re: Expat List 3. Bank Deposits (jeffrey wilgus) To: "The Moscow Expat List" <[email protected]> Message-ID: <[EMAIL PROTECTED]> Content-Type: text/plain; charset="windows-1252" Now that's just offensive. 2008/10/7 Johan Hultman <[EMAIL PROTECTED]> > My contribution to the financial crisis: > http://ru.youtube.com/watch?v=yjnvSQuv-H4 > :-) > /Johan > > 2008/10/6 Nick Wilsdon <[EMAIL PROTECTED]> > >> Might be a good time to find out if any of the "100% protected" Irish >> banks operate in Moscow! >> >> Allied Irish Bank, Bank of Ireland, Anglo Irish Bank, Irish Life and >> Permanent, Irish Nationwide Building Society >> >> -- >> Best Regards >> >> Nick Wilsdon >> >> e3internet >> http://www.e3internet.com >> >> Skype: Nick_Wilsdon >> Tel: +7 4932 346314 >> Blog: http://nickwilsdon.com >> >> >> >> 2008/10/5 <[EMAIL PROTECTED]> >> >>> >>> >>> First of all, I would ask: Is anyone worried about their *American*bank? The "great ruler" of world is responsible of the current situation. >>> Thanks a lot, guys! >>> >>> Therefore I will try to keep my deposits far away from CITI or any other >>> American bank L >>> >>> >>> >>> Here you can find the current offers but nobody knows really how save >>> will be your money here in Russia or elsewhere in the world. >>> >>> http://www.banki.ru/products/deposits/ >>> >>> >>> >>> >>> >>> >>> >>> >>> >>> Date: Fri, 3 Oct 2008 23:02:20 +0000 >>> >>> From: jeffrey wilgus <[EMAIL PROTECTED]> >>> >>> Subject: Expat List Bank Deposits >>> >>> To: <[email protected]> >>> >>> Message-ID: <[EMAIL PROTECTED]> >>> >>> Content-Type: text/plain; charset="iso-8859-1" >>> >>> >>> >>> >>> >>> Is anyone worried about their Russian bank collapsing and your losing >>> money? I was here in 1998 when about the only bank that didn't go out of >>> business and stiff their clients was Bank of Austria which is now >>> Unicredit. How would you rate the major banks for safety? >>> >>> >> >> >> _______________________________________________ >> Expat mailing list >> [email protected] >> http://www.lists.ru/mailman/listinfo/expat >> http://www.expat.ru/forum/ >> > > > _______________________________________________ > Expat mailing list > [email protected] > http://www.lists.ru/mailman/listinfo/expat > http://www.expat.ru/forum/ > -------------- next part -------------- An HTML attachment was scrubbed... URL: http://www.lists.ru/pipermail/expat/attachments/20081009/91785039/attachment -0001.html ------------------------------ Message: 3 Date: Thu, 9 Oct 2008 22:07:36 +0400 From: Dattatraya <[EMAIL PROTECTED]> Subject: Expat List Tapestries To: [email protected] Message-ID: <[EMAIL PROTECTED]> Content-Type: text/plain; charset="iso-8859-1" Hi.. I believe there is a market somewhere ahead of metro Chistie Prudie wher one can buy tapestries... Any pointers would be welcome.. Cheers Dattatraya ------------------------------------------------- "When we long for life without difficulties, remind us that oaks grow strong in contrary winds and diamonds are made under pressure" -- -- -- Peter Marshall -------------- next part -------------- An HTML attachment was scrubbed... URL: http://www.lists.ru/pipermail/expat/attachments/20081009/816df04c/attachment -0001.html ------------------------------ Message: 4 Date: Thu, 9 Oct 2008 14:30:58 +0400 From: "Johan Hultman" <[EMAIL PROTECTED]> Subject: Re: Expat List 3. Bank Deposits (jeffrey wilgus) To: "The Moscow Expat List" <[email protected]> Message-ID: <[EMAIL PROTECTED]> Content-Type: text/plain; charset="windows-1252" It's still my response. There is no time when a bit of humour doesn't help. If you're offended it's a pity. Just wanted to cheer someone up. Hopefully I did. All the best!/Johan 2008/10/9 John Heisel <[EMAIL PROTECTED]> > Now that's just offensive. > > 2008/10/7 Johan Hultman <[EMAIL PROTECTED]> > > My contribution to the financial crisis: >> http://ru.youtube.com/watch?v=yjnvSQuv-H4 >> :-) >> /Johan >> >> 2008/10/6 Nick Wilsdon <[EMAIL PROTECTED]> >> >>> Might be a good time to find out if any of the "100% protected" Irish >>> banks operate in Moscow! >>> >>> Allied Irish Bank, Bank of Ireland, Anglo Irish Bank, Irish Life and >>> Permanent, Irish Nationwide Building Society >>> >>> -- >>> Best Regards >>> >>> Nick Wilsdon >>> >>> e3internet >>> http://www.e3internet.com >>> >>> Skype: Nick_Wilsdon >>> Tel: +7 4932 346314 >>> Blog: http://nickwilsdon.com >>> >>> >>> >>> 2008/10/5 <[EMAIL PROTECTED]> >>> >>>> >>>> >>>> First of all, I would ask: Is anyone worried about their *American*bank? The "great ruler" of world is responsible of the current situation. >>>> Thanks a lot, guys! >>>> >>>> Therefore I will try to keep my deposits far away from CITI or any other >>>> American bank L >>>> >>>> >>>> >>>> Here you can find the current offers but nobody knows really how save >>>> will be your money here in Russia or elsewhere in the world. >>>> >>>> http://www.banki.ru/products/deposits/ >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> Date: Fri, 3 Oct 2008 23:02:20 +0000 >>>> >>>> From: jeffrey wilgus <[EMAIL PROTECTED]> >>>> >>>> Subject: Expat List Bank Deposits >>>> >>>> To: <[email protected]> >>>> >>>> Message-ID: <[EMAIL PROTECTED]> >>>> >>>> Content-Type: text/plain; charset="iso-8859-1" >>>> >>>> >>>> >>>> >>>> >>>> Is anyone worried about their Russian bank collapsing and your losing >>>> money? I was here in 1998 when about the only bank that didn't go out of >>>> business and stiff their clients was Bank of Austria which is now >>>> Unicredit. How would you rate the major banks for safety? >>>> >>>> >>> >>> >>> _______________________________________________ >>> Expat mailing list >>> [email protected] >>> http://www.lists.ru/mailman/listinfo/expat >>> http://www.expat.ru/forum/ >>> >> >> >> _______________________________________________ >> Expat mailing list >> [email protected] >> http://www.lists.ru/mailman/listinfo/expat >> http://www.expat.ru/forum/ >> > > > _______________________________________________ > Expat mailing list > [email protected] > http://www.lists.ru/mailman/listinfo/expat > http://www.expat.ru/forum/ > -------------- next part -------------- An HTML attachment was scrubbed... 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