Specialiştii explică în ce condiţii este bine să-ţi plasezi economiile, ţinând cont de actuala conjunctură, de la instrumente mai puţin riscante, cum sunt depozitele bancare şi conturile de economie, până la investiţiile directe pe bursă şi fondurile de investiţii, recomandate persoanelor cu apetit pentru risc. În medie, dobânzile oferite de bănci pentru depozitele în lei sunt de 13-14% pe an, cu menţiunea că se pot negocia dobânzi anuale de 15-16%, pentru sume mai mari. În cazul conturilor de economii – potrivite celor care vor să retragă sau să depună numerar în orice moment -, câştigurile sunt mai mici decât la depozite, cu unul sau două puncte procentuale.
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Cum sa facem bani pe timp de criza
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Rompetrol a majorat pretul benzinei
Astfel, benzina Efix 95 costă 3,69 lei pe litru, în timp ce sortimentul Alto 101 poate fi cumpărat cu 4,29 lei pe litru, se arată într-un comunicat al Rompetrol.
Preţul la motorină rămâne neschimbat. Astfel, un litru de motorină Efix Diesel costă 3,58 lei, iar gama Diesel Alto 55 se vinde cu 3,88 lei/litru.
Ultima majorare efectuată de companie a avut loc vineri, 15 mai, când preţul la benzină a crescut cu patru bani pe litru, iar la motorină s-a majorat cu trei bani pe litru.
Cititi mai multe pe www.mediafax.ro
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Statul garanteaza creditul ipotecar pentru achizitionarea primei locuinte!
Toti cei care n-au avut pana acum o locuinta sau un credit ipotecar pe numele lor vor putea beneficia de garantii de la stat, pentru a lua mai usor imprumuturi ipotecare. Programul “prima casa” garanteaza imprumutul pentru persoanele fizice care doresc sa-si achizitioneze prima locuinta, fie ca sunt imobile noi, fie din cele deja construite.
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Bancherii catre Boc: Noi vrem sa dam credite, dar nu avem cui
"Bancile isi pastreaza expunerea pe Romania, dar este o problema de oportunitate – unde plasam (banii)", a subliniat Steven van Groningen, presedintele Raiffeisen Bank, una dintre cele mai mari banci locale, la Forumul Financiar Sud-Est European. Incepand din toamna trecuta bancile au redus drastic volumul creditelor acordate clientilor din mediul privat, sumele imprumutate fiind practic mai mici decat cele rambursate de clienti prin plata ratelor. Diferenta a fost plasata fie in titluri de stat, fie a fost utilizata pentru stingerea datoriilor fata de actionari.
Cititi mai multe pe www.zf.ro
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Joint Venture intre Air France-KLM si Delta
Acordul prevede impartirea strategiilor, a costurilor si a veniturilor pe toate rutele dintre Europa si America de Nord, precum si impartirea profiturilor pe rutele dintre America de Nord si Africa, Orientul Mijlociu si India, respectiv dintre Europa si America Latina. "Joint Venture-ul va duce la sinergii de costuri intre Air France-KLM si Delta Air Lines, care se vor traduce in cresterea profiturilor cumulate cu 300 milioane de dolari pana la finele lui 2010", a declarat Pierre-Henri Gourgeon, CEO Air France-KLM. Practic, joint venture-ul va creste profiturile Air France-KLM, respectiv Delta, cu cate 150 de milioane de dolari, luand in calcul ca distributia costurilor si a veniturilor se face in mod egal intre cele doua parti. La nivel global, parteneriatul semnat pe 20 mai la Paris prevede oferirea a peste 200 de zboruri transatlantice (circa 50.000 de locuri zilnic) de catre cele trei companii. In Romania, Delta Air Lines va opera incepand din 2 iunie 2009 4 zboruri saptamanale catre New York, in parteneriat cu Air France si KLM. "Pentru moment vom opera pe perioada sezonului de vara, dar urmeaza sa evaluam posibilitatea prelungirii zborurilor pe tot parcursul anului", a declarat Kate Hulme, Communication Manager Delta Air Lines pe Europa, Africa si Orientul Mijlociu.
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Bosch a ajuns la afaceri de peste 160 mil. euro in Romania
„Principalele motoare ale acestei cresteri au fost reprezentate de tehnologia din domeniul auto si termotehnica“, a declarat Brigitte Eble, director general Robert Bosch S.R.L. si reprezentanta grupului Bosch in Romania. Robert Bosch este una dintre cele cinci companii prin care grupul german activeaza local, Bosch avand la finalul anului trecut 839 de angajati in Romania, fata de 570 in anul precedent.
Vom investi in continuare in Romania, desi ne asteptam ca 2009 sa fie unul dintre cei mai dificili ani de la infiintarea companiei, in 1994. Dupa estimarile noastre, primele semne de stabilizare ar urma sa apara in al doilea semestru, insa la un nivel destul de redus“, a mai declarat Eble.
Printre obiectivele grupului pe plan local in acest an se afla createrea numarul angajatilor din cadrul Bosch Communication Center Timisoara de la 266 la 375 de persoane. Centrul ofera la nivel international servicii de externalizare a proceselor de afaceri.
Grupul detine pe plan local si o fabrica la Blaj, prin intermediul Bosch Rexroth, unde sunt produse componente pentru industria auto si cea a automatizarilor, fabrica fiind intr-un proces de extindere a capacitatii de productie. La sfarsitul anului trecut, fabrica din Blaj avea 385 de angajati, investitiile in unitate ridicandu-se la 23 de milioane de euro.
La nivel mondial, grupul Bosch a inregistrat anul trecut o cifra de afaceri de 45,1 miliarde de euro, cu 2,6% mai mica decat tea obtinuta in 2007. Profitul brut a atins 940 milioane de euro, in comparatie cu circa 3,8 miliarde euro in 2007. La sfarsitul anului trecut, grupul german avea la nivel global 282.000 de angajati
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Industria de IT din Romania scade anul acesta la 810 milioane de euro
"In acesata perioada clientii din sectorul privat ingheata si amana investitiile in IT&C, in timp ce clientii din sectorul public nu au lansat proiectele anuntate in primul trimestru, din lipsa bugetelor", a spus Liviu Dan Dragan. "In plus, sunt clienti care profita de criza pentru a opri sau a ingheta contractele", a completat acesta, precizand ca efectele crizei se manifesta prin scaderea cifrei de afaceri a companiilor, trend care nu va fi oprit in acest an, stabilitatea fortei de munca si cresterea competitivitatii.
Potrivit presedintelui ANIS, printre modalitatile de gestionare a crizei economice se afla armonizarea costurilor cu veniturile, focusul pe inovatie si creativitate, remodelarea proceselor de vanzari si abordarea pietelor externe. In plus, acesta a precizat ca multe dintre companiile din Romania ar trebui sa-si vanda produsele in afara, deoarece tarile din jurul nostru, Asia si Africa au un potential foarte mare.
" Cu toate acestea, in urmatorii 3- 4 ani lucrurile nu se vor schimba", a mai declarat Liviu Dan Dragan.
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First Business is Never Forgotten
He wants to turn Madrid Open into the most elitist tournament in the world. He set a five-year deadline for himself to reach a 30 million euro net profit. Until then, he is waiting for the crisis to pass, a crisis that saddens him ”greatly”, but he has a lot of consolidating to do for the businesses in Romania. Together with Ion Ion. Ion Tiriac concentrates on tennis 5% of his time. As for the rest, he says that his businesses in Romania take up ”too much time”.
Business grew very fast in Romania, Ion Tiriac now feels. He admits, though, that his group has to go through a process of consolidation, and in parallel, of gaining market share, for which the crisis is quite a good time. Consolidation started for Ion Tiriac a few years ago, when he says he sold everything he had in the US and France to focus on Romania, because he could not have controlled his businesses otherwise. Now he is successfully sharing the control. ”I have high hopes for Ion Ion – thank God he has 8,300 people working for him and he is a down to earth person. The boy has an education: he went to college in the US, has an MBA from Irwin; as for me, what did I do, I was an athlete and went to college in Romania in the ‘60s?”
The crisis caught most people unprepared, the businessman believes, who congratulates himself that he prepared in good time and opened lines of credit to have access to money, and also saved something up. Otherwise, he would have had a really hard time, considering his fields of business. ”Cars? Real estate? Nothing sells anymore. Fortunately, I am not afraid, I saw the crisis coming and I have enough cash to swallow the pill; the crisis does cost me money, but I can survive without having to sell an apartment; I can’t sell the 4,000 euro/sqm ones, and I can’t sell the other – 1,000 euro/sqm ones, either.”
As for his tennis tournament in Madrid, in 2002, when he first organised it, Ion Tiriac had to come up with three million euros. He regarded it as an investment instead of a loss. The following year, he came up with one million. He broke even in the third and starting making profit in the fourth. ”After three years, this tournament became the most important social event in Madrid: there is not one important person who wouldn’t get a box at Madrid Open,” Tiriac says. Though he did not sell all the tickets, Ion Tiriac is optimistic, because his system will start generating more money in just a few years.
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Don’t Blame the Economists
The others could not see – or would not see the signs suggesting that things would go from bad to worse. Now, that businesses are going down, companies are posting losses, and the state is collecting less and less money, everybody is wondering: what good are economists if they did not warn before it was too late that the economic typhoon was coming?
Although economists throughout the world had the same data at their disposal, few were able to predict the most serious economic crisis in history, and Romania has been no exception. After several years of economic growth, only a few of them have ventured at the beginning of 2008 to say that things would take a turn for the worse. Why has the economic crisis slipped through the economists’ fingers?
The first explanation given by the analysts is simple and surprising: even those who would have wanted to say that things would worsen did not take the risk of sounding crazy among all the optimism that had become common among analysts in the last few years.
”There is a very interesting, though littleresearched phenomenon that occurs – group behaviour. If an analyst makes the same growth prediction as another three hundred analysts and they all turn out to be wrong, nobody blames him. But if he is alone in being wrong, everybody points a finger. Nobody takes the risk of straying from the crowd. It’s better to be wrong when the whole group is wrong than to be the only one who is right,” says economic analyst Aurelian Dochia, 59, a member of Board of Directors of BRD-SocGen bank and a former advisor to the World Bank, the EBRD and the OECD.
Another supporter of the ”herd mentality” theory is the chief economist of the BNR (National Bank of Romania). ”It’s not easy to stand out from the crowd as the only one with negative opinions, it takes courage and flawless arguments,” Valentin Lazea says. Another reason for the economists’ failure to predict the crisis has to do with the fact that most of them work for banks and have to abide by their employer’s communication policy. ”Many have had to keep silent because their job wouldn’t let them talk,” says Lazea. As a bank analyst, you cannot say there will be no more money on the market, credits will freeze and, even worse, that the bank you are working for is making transactions with financial instruments that are too difficult to be understood by everyone involved, which will lead to significant losses.
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Is There Room for Comparison?
”Comparing prices in online stores is still a burgeoning business” – this is how Arthur Radulescu describes the market in Romania. This observation is based, on the one hand, on his experience as managing director of Asesoft Net, the company that holds the ShopMania.ro portal, and on the other hand, on comparisons with other countries. After being launched in Romania in 2006 and expanded over the last two years to a further 24 countries, ShopMania is among the few major price comparison websites in Romania, which is attracting the most consumers who search for the lowest-priced products and services.
”On the market, there are less than 10 major websites of this kind, but the overall number is in the range of dozens of websites,” says Radulescu. Lately, seeking to speculate the difficult economic situation, which could push people to be more careful about how they spend their money, increasingly more entrepreneurs have tapped into this niche. Examples include ListaPreturi.ro and PricesDB.ro, the latter being a search engine for products of several hundreds of online stores, which uses price as a criterion for the search. The engine was launched at the end of last year following an investment of a little more than 1,000 euros made by Adrian Dimian.
”Romania is a market with a very big potential and which could in fact also be considered a launch pad for the region,” believes Paul Condila, representative of the Romanian version of the GoShopping. com American portal, launched at the end of last month on the Romanian market. GoShopping has prepared a 5 milliondollar (3.75 million-euro) investment, largely funded via bank loans, in order to expand onto the European market, first to Romania, and proceeding with the UK, Germany and France in the second half of this year with. ”In a first stage, the budget allocated for Romania is 600,000 euros, but the company will support the Romanian portal financially for two years, with the investment to probably be recouped in 2011,” explains Paul Condila.
Romania has been chosen because 68% of the portal’s users outside the USA come from Romania, according to Alexa.com statistics, while the second largest market is the UK, which accounts for almost 10% of foreign visitors.