Реванш рубля. Стоит ли держать сбережения в валютных депозитах?

В российских банках с августа 2014 года впервые стала меньшей доля вкладов в валюте. А на 1 марта 2015, как подают данные ЦБ РФ, хранились в валюте 27,2% депозитов. Этот показатель составлял 30,1% месяцем раньше, для сравнения. Методологические подсчеты Банком России объясняют сокращение доли всех валютных депозитов, так как регулятор может измерять также и в рублевом выражении объем валютных вкладов. По заявлению зампреда ЦБ Михаила Сухова, с укреплением рубля связано снижение количества валютных вкладов, потому что курс к доллару российской валюты в феврале вырос на 12% и достиг уровня в 61,2 рубля. Сергей Козловский, который руководит аналитическим отделом Grand Capita, объяснил, что сыграла важную роль на валютном рынке стабилизация курса рубля и инвесторы обратно в рубли конвертируют валюту и дальнейшей девальвации не ожидают. Содержание 1 Настало время бойкотировать доллары? 2 Нефть в цене 3 Расходы в рублях Настало время бойкотировать доллары? Если учесть ту неопределенность, которая сохраняется на нефтеном рынке и помня о том, что напрямую курс российской валюты от сырьевых котировок зависит, а также возобновление негативной западной риторики, направленной на усиление антироссийских санкций, опрошенные эксперты все же не рекомендуют от валютных накоплений избавляться. Козловский высказался о том, что не способствуют перечисленные факторы дальнейшему укреплению рубля, и лучше всего из-за этого придержать свои валютные сбережения. Артем Деев, руководитель одного из департаментов аналитики ФК AMarkets отметил то, что когда Центробанком было принято решение о снижении основной ставки с 15% до 14%, то регулятор сообщил о текущей в России экономической ситуации, которая стала больше предсказуемой и это смогло снять по поводу сохранения инфляционной и девальвационной тенденций избыточные ожидания. Эксперт подчеркнул, что динамика рубля, который укрепился почему-то на фоне такого решения, а инвесторы сумели поверить, что уже позади худшее. Он также разделил и другую точку зрения. Если учитывать сохранение с Западом санкционного противостояния, то существуют риски роста инфляции еще большие, хотя тут не нужно также забывать о математике, так как на 1% ослабление курса валюты примерно через 6-9 месяцев конечно же прибавляет к инфляции 0,1%. Нефть в цене Также продолжение коррекции цены «черного золота» и решение по конверсии в рубли долларовых сбережений весьма преждевременным может оказаться. Также эксперт добавил, что если цена опустится ниже за баррель, чем 50 долларов на нефть марки Brent, то курс доллара может вновь вернуться до 65 рублей. Деев указал, что он не рекомендовал бы по этой причине именно валютные вклады сохранить. А Ирина Григорьева, заместитель председателя правления «Локо-банка», отмечает, что использование как инструмента для получения дохода конвертированных в иностранную валюту средств невыгодно для непрофессионалов. Расходы в рублях Но вероятность двойной конвертации вначале рублей в евро или доллары США, а затем обратно будет сводить на «нет» всю ту положительную разницу по операции, достаточно велика. Она резюмировала, что если доходы простых граждан РФ в российских рублях, то и расходы также запланированы в российской валюте и оптимальным инструментом для сохранения средств будет депозит во все тех же российских рублях. И не является выгодным сейчас продавать иностранную валюту, которая по высокому курсу куплена.
Источник: http://mircreditov.info/revansh-rublya-stoit-li-derzhat-sberezheniya-v-valyutnyx-depozitax.html

Pope Benedict XVI and UK equality law

THERE’S an old joke about the Pope’s attitude to contraception, attributed variously to Irish comedian Dave Allen or the Italian-American community at large. The punchline runs: ‘If he doesn’t play the game, he shouldn’t try to make the rules.’

I am inescapably reminded of the quip after reading about the intervention of the world’s most prominent former Hitler Youth into current UK debates about equality.

Benedict XVI believes that British legislation runs contrary to natural law, placing ‘limitations on the freedom of religious communities to act in accordance with their beliefs’. This is widely taken as a reference to the ban on adoption agencies, including Catholic adoption agencies, discriminating against gay adoptive parents.

It may also be a sideswipe the current equality bill, which narrows the existing exemptions enjoyed by religious groups, permitting them to insist that employees abide by their doctrines.

Well, New Labour in office has been adamant about its wish for ‘dialogue’ with ‘faith communities’, so it can hardly feign surprise when a religion with over 4m adherents takes it up on the idea.

It’s worth noting here that well into the 1970s, many inner city Catholic priests in England wielded a de facto block vote, and this remains the case today in parts of Scotland. The faithful have traditionally been advised to ‘vote Labour with no illusions’, to borrow a catchphrase.

Benedict XVI’s appeal to Lex Naturalis instantly makes me uneasy. It’s an elastic concept that indisputably forms part of the western liberal tradition, but does have a certain protean quality.

Catholicism endows the term with a very specific Thomist understanding. As I understand it, natural law is the philosophical basis of the Romanist job lot rejection of rubber johnnies, birth control pills, inappropriate self-stimulation of one’s pudenda and homosexuality.

Conception is the natural end of sex, and therefore procreation must be open to the possibility, even if that means large numbers of Africans coming down with HIV.

What of the issues at hand? I’ve heard it said that Catholic adoption agencies do good work, frequently finding homes for severely handicapped kids that are the hardest to place. Religious believers are seemingly more motivated to take on this difficult task, and the rest of us should be thankful for that.

But why have specifically Catholic adoption agencies in the first place? Aren’t they a throwback to the days when knocked-up Catholic schoolgirls needed somewhere to dump the unfortunate sprog before getting carted off to the nearest Magdalene Laundry?

Given the change in social mores, adoption nowadays is more properly the job of local government. The interests of the children involved are the only real priority, and to deny them loving care on the grounds of an adopter’s sexuality is not the best way to advance them. Catholicism needs either to get with the programme. If it feels it cannot do so, it should butt out of the field.

But on the matter of employment, the Pope has a rather stronger case, albeit on strictly secular grounds. It is not the province of government to rule on whom any voluntary association may or may not accept into membership or put on its payroll. For the sake of a healthy relationship between state and civil society, this point really has to prevail.

Perhaps the first significant erosion of this principle came with the Tory anti-union laws of the 1980s, which withdrew from trade unions the ability to exclude strike-breakers, and forced them to accept applications from active fascists.

We will see if the rightwing commentators who will no doubt speak up in favour of Benedict XVI in the days ahead possess sufficient logical consistency to accept this elementary point.

And writing as a leftwing commentator, yes, precisely the same consideration applies to the nonsensical decision that the British National Party should be forced to accept black members. Isn’t hating black people the very point of being in the BNP?

If the same yardstick was applied universally, Hizb ut Tahrir would be debarred from turning down evangelical Christians, for instance. I’m looking forward to the test case already.

Common sense alone dictates that the League Against Cruel Sports has no duty to be an equal opportunities employer in respect of illegal cock fighting aficionados. If you apply to be a Conservative parliamentary candidate and then inform the selection meeting that you are an anarcho-syndicalist, you do not have grounds subsequently to bring a discrimination case.

Peter Tatchell – a man with whom I usually agree on much – has been widely quoted taking the Pope to task on this one. But my guess is that he wouldn’t hire an overt homophobe for an admin job at OutRage!

By the same token, if you want to work for the Catholic Church, your potential bosses might reasonably expect you to uphold the teachings of Catholicism. If you are gay, it will presumably not have escaped your notice that the Vatican has a longstanding downer on hot man-on-man legover action.

And why would a self-respecting gay man or woman want to be a member of an organisation that teaches them that same-sex personal relationships are sinful, anyway? There are plenty of wussy denominations that take a more inclusive line, not least the Church of England.

A substantial wing of the CoE even lays theological claim to a brand of camper than a row of tents Catholicity, and will happily do you all the smells and bells you can handle. What’s not to like?

DADT Repeal This Year? Gates And Mullen Expected To Call For Review Of Policy

Spurred by President Obama’s pledge to “work with Congress and our military to finally repeal the law that denies gay Americans the right to serve the country,” the Senate Armed Services Committee will hold a hearing this afternoon to unveil the Pentagon’s initial plans to abolish the ‘Don’t Ask, Don’t Tell’ policy (DADT). Defense Secretary Robert Gates and Joint Chiefs of Staff Adm. Michael Mullen are expected to announce that the Defense Department “will not take action to discharge service members whose sexual orientation is revealed by third parties or jilted partners” and establish “a special investigation into how and when to repeal the long-standing 1993 law.” “Their review is expected to look at several sensitive issues, including whether the military should extend marriage and bereavement benefits to the partners of gay soldiers,” the Hill is reporting:

But that upcoming inquiry — and, ultimately, the end of the military’s “Don’t ask, don’t tell” ban — could take years to complete, officials have recently suggested…Their inquiry seems to be an attempt to assuage military leaders’ fears that an end to “Don’t ask, don’t tell” could jeopardize the U.S. military during war time. However, activists alike fear an actual repeal may still be years away. The delay seems to be the result of general reluctance among military leaders to end the policy, and trepidation on the part of lawmakers to broach the issue ahead of what is sure to be a tough midterm election year.

While the new standard for DADT investigations could signal “a shift in the military’s focus toward keeping gay troops, reflecting the military’s belief that they are as essential as their heterosexual peers,” the Pentagon’s slow crawl towards repealing the policy suggests that any changes to the law would be incremental — driven by the military’s resistance to change rather than military necessity or consideration.

After all, numerous studies as well as real world experience in Canada, Britain, France and Israel have already concluded that rapid integration “minimizes disruptions to unit cohesion and morale.” A 1993 Rand Corporation report found that “implementing gay service that stated that openly gay service was entirely workable, but that a successful new policy must be “decided upon and implemented as quickly as possible” to avoid anxiety and uncertainty in the field. It said it was crucial “to convey a new policy that ends discrimination as simply as possible and to impose the minimum of changes on personnel.”

Last year, a RAND survey of military personnel who had served in Iraq and Afghanistan “found that having a gay or lesbian colleague in their unit had no significant impact on their unit’s cohesion or readiness.” “Service members said the most important factors for unit cohesion and readiness were the quality of their officers, training and equipment,” not their sexual orientation. “Serving with another service member who was gay or lesbian was not a significant factor that affected unit cohesion or readiness to fight,” the study found.

As John Aravosis notes, “There is no reason the White House can’t work with the Congress to repeal the ban this year, and simply delay implementation of the repeal until next year when the “study” is done.”

Ideally, the Pentagon could conduct its review while simultaneously dismantling the policy. The committee should pressure the Pentagon to expedite the review process and can even require the reviewers to produce bimonthly progress reports. A review that’s concurrent with the repeal process would prevent the military brass from dragging its feet and meet the President’s goal of repealing DADT before the end of the year. In today’s POLITICO, Senate Armed Services Committee Chairman Carl Levin (D-MI) suggested that the military should be “sensitive to any complications of this policy shift” and urged “those who favor change not to mistake deliberation for undue delay.”

Lancet Medical Journal Retracts Wakefield Autism Study

Boston (DbTechNo) - The Lancet medical journal has retracted a published study linking childhood autism risk to the measles, mumps and rubella vaccine.

The discredited study was the work of Dr Andrew Wakefield who has since been proven to have undertaken shotty researching methods and whose work has been discredited by the General Medical Council.

After the 1998 paper was published, vaccination rates plummited in the UK, and not surprisingly, the rate of measles went up.

In the paper, Wakefield cited a risk between the MMR vaccine and autism, and also noted a possible link between the vaccine and bowel disease.

Lancet officials released a statement, saying: “It has become clear that several elements of the 1998 paper by Wakefield … are incorrect.”

Dr Andrew Wakefield now lives and works in the United States.

Abstinence Education Effective in Reducing Teen Sex, Comprehensive Sex Ed Not

A new study concludes that abstinence-only education had a significant and long-term effect in reducing teen sexual activity. “The abstinence-only intervention reduced sexual initiation,” reports the study, which is featured in the most recent issue of the medical journal Archives of Pediatrics and Adolescent Medicine, published by the American Medical Association.

The study found that a short eight-hour abstinence program reduced sexual activity among youth by a third. Despite the brevity of the abstinence training the effects lasted a full two years after students left the classroom. Moreover, if students who took the abstinence course did become sexually active they were not less likely to use contraception.

In contrast, study found that alternative types of sex ed failed. “Safe sex” programs (which promote contraception only) and “comprehensive sex ed” programs (which teach both abstinence and contraceptive use), had no effect on teen sexual behavior. These programs neither reduced teen sex nor did they increase contraceptive use among teens, which is their major emphasis.

These findings are based on a randomized controlled experiment, the gold standard in program evaluation and designed to produce unbiased results. The study analyzed 662 African-American 6th and 7th grade students in four public middle schools serving low-income communities in a northeastern U.S. city. They were randomly assigned to participate in an eight-hour abstinence-only program, an eight-hour “safe sex” program, an eight- or twelve-hour comprehensive sex education program, or a general health-only, non-sex ed program, which represented the control group in the experiment.

Bolstered by its rigorous randomized controlled design, this study provides important new findings. It strengthens the existing body of empirical evidence on the effectiveness of abstinence education. A 2008 Heritage study, for example, reviewed 15 studies of authentic abstinence programs and found that 11 of the 15 studies reported positive behavioral changes among teens.

These new findings—that abstinence education reduced teen sex, without causing any adverse decline in contraception use, while “safe sex” and comprehensive sex ed programs failed to reduce teen sex or increase contraceptive use—seriously counter the ineffectiveness claim made by opponents of abstinence education.

Opponents of abstinence are often motivated by ideology than by social science research.

In recent weeks, abstinence foes launched yet another attack, attributing the rise in teen pregnancy and birth rates, after more than a decade of dramatic decline, to federally-funded abstinence programs. However, a funding analysis by the U.S. Department of Health and Human Services found that, in the fiscal year 2008, for every dollar the department spent on abstinence education, it spent $4 on comprehensive sex education and family planning services targeting teens. In FY2008, the department spent $176.5 million on abstinence education. By contrast, pregnancy and STD prevention programs and family planning services for teens received $609.3 million .

Sadly, despite the social science evidence, the Obama administration and Congress have eliminated all federal spending on abstinence education and, instead, have created additional funding for comprehensive sex education.

Sony Ericssen Aspen announced, is first official Windows Mobile 6.5.3 device

Sony Ericsson this morning announced the Aspen, the front-facing QWERTY keyboard phone we previously saw as the Faith. What's more, this is the first Windows Mobile phone to officially launch with Windows Mobile Professional 6.5.3 (and that solves the mystery of what version number would be next). It's also the first front-facing keyboard phone with a touchscreen that we've seen in a while.

You will be able to pick up the Aspen in either "Iconic Black" or "White Silver," and it will be available in the second quarter in "selected markets." Where those markets are, we don't yet know, nor do we know pricing. Chances are we'll get a better look at this guy soon at Mobile World Congress.

Video, specs and full presser after the break.

• Windows Mobile 6.5.3 Professional.
• Tri-band HSPA (850/900/1200) and quad-band EDGE (850/900/1800/1900), which means you can rock this guy on AT&T's 3G, if you can get ahold of one.
• Size: 117x60x12.45mm
• Weight: 130 grams.
• 2.4-inch touchscreen at 240x320 (QVGA)
• 3.2MP camera with 4x digital zoom.
• Bluetooth with A2DP
• 3.5mm headphone jack
• aGPS
• MicroUSB for sync and charge.
• WiFi
• 4GB MicroSD card (supports up to 16GB)
• SPB Mobile Shell, Traveler and Weather are all built in.
• Talk time rate at up to 10 hours/standby time at 450 hours on EDGE.

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Latest addition to GreenHeart™ portfolio now allows consumers and companies to make a green choice on their Windows Phone

Office at your fingertips with the latest version of Windows Phone

Maximised message experience with QWERTY keyboard and finger friendly touch

Have fun with Media Browser and PlayNow™

February 2, London, UK – Today sees the announcement of Sony Ericsson Aspen™, the business mobile phone with green credentials at its core. The newest edition to the successful Sony Ericsson GreenHeart™ portfolio, Sony Ericsson Aspen™, allows easy multi-tasking combining the touch experience and a real QWERTY keyboard. Organise and adapt panels to change during the day and use Slide View for quick access to common features.

With Sony Ericsson Aspen™, view and edit office files easily and comfortably with one touch operation, or just access the internet in one click. The QWERTY keyboard is made for fast and easy typing. Simple email set up allows for a maximized messaging experience on the go. Secure the phone’s contents through the Microsoft MyPhone service, which remotely erases phone data when the handset is lost or stolen.

“Sony Ericsson Aspen™ is the business phone with a conscience, perfect for any consumer or company who want to make a green choice in their daily work life.” Said Quentin Cordier, Global Marketing Manager, Sony Ericsson. “An affordable GreenHeart™ phone with the latest version of Windows Phone, the Sony Ericsson Aspen™ has a rich user interface and powerful productivity tools. But it’s not all about work, stay in touch with the fun parts of life with Media Browser and PlayNow ™, with simple access to social networks and quick and easy access to media files. Find the fun with a-GPS, Google Maps™ and snap pictures with the 3.2megapixel camera.”

Sony Ericsson Aspen™

• Modern office at your fingertips – latest version of Windows Phone
• Easy multi-tasking – Sony Ericsson Slide View and customisable panels
• Maximised message experience – QWERTY keyboard and finger friendly touch experience
• GreenHeart™ – for a greener choice
• Stay in touch with the fun parts of life – access fun applications at PlayNow™ such as games and new music
• Media browser – access music, photos and videos
• Social network tool (Windows Live™ Messenger, Facebook™)
• Human curvature design – fits into the palm of the hand

Sony Ericsson Aspen™ supports HSPA 900/2100 and EDGE 850/900/1800/1900, HSPA 850/900/2100 and EDGE 850/900/1800/1900.

Sony Ericsson Aspen™ will be available in selected markets from Q2 in the colours Iconic Black and White Silver.

Create your own phone booth with optional extra Bluetooth™ Noise Shield Handsfree VH700 and charge your phone the eco-friendly way with the Energy Saving Mini-Charger EP800.

Log on to The Sony Ericsson Product Blog for more information: http://blogs.sonyericsson.com/products

Sony Ericsson Aspen™

Camera

• 3.2 megapixel camera
• 4x digital zoom
• Multishot
• Self timer
• Smart contrast

Music

• Album art
• Bluetooth™ stereo (A2DP)
• Equalizer
• Sony Ericsson media player
• Music tones (MP3/AAC)
• PlayNow™
• Stereo speakers
• Windows Media® Player Mobile

Web

• Bookmarks
• Google™ search
• Internet Explorer® Mobile
• Pan & zoom
• Web feeds

Voice

• Polyphonic ringtones
• Speakerphone
• Vibrating alert

Messaging

• Email
• Microsoft Exchange ActiveSync®
• Handwriting recognition
• Instant messaging
• Picture messaging (MMS)
• Predictive text input
• Text messaging (SMS)

Design

• Auto rotate
• Media browser
• Picture wallpaper
• Full keyboard
• Touchscreen
• Wallpaper animation
• Windows Phone®

Entertainment

• 3D games
• Facebook™
• FM radio with RDS
• Java™
• Skype™
• Video streaming
• Video viewing
• YouTube™

Organiser

• Adobe® PDF Reader
• Alarm clock
• Calculator
• Calendar
• Flight mode
• Microsoft Office® Mobile
• Notes
• Outlook® Mobile
• Phone book
• Stopwatch
• Tasks

Connectivity

• 3.5 mm audio jack
• A-GPS
• Bluetooth™ technology
• Google Maps™
• Micro USB connector
• Modem
• Synchronisation
• USB mass storage support
• USB support
• Wi-Fi™

Applications and panels

• SPB Mobile Shell 3.0 (Professional)
• SPB Mobile Shell 3.0 (Lifestyle)
• SEMC Greenheart Panel
• Microsoft Today
• Facebook™
• Panel Manager
• SlideView
• Google Maps Latitude
• Google Mobile Application
• Send My Location
• Unified Search Application
• SPB Traveler and Weather combo
• Skype
• YouTube™ panel
• Communication City/Day
• Communication City/Night
• CNN
• On-The-Road Panel
• Windows® Live
• Twitter
• Gokivo Weather Panel
• Eco mate application

GreenHeart™ indentity

• GreenHeart™ panel
• Power saving mode
• Eco mate application
• E-manual
• Waterborne painting
• Recycle materials (Green charger, Green PHF, Green Box.

Screen

• 65,536 colour TFT
• 2.4 inches
• 240 x 320 pixels (QVGA)

Accessories

• In-Box:
• Sony Ericsson Aspen™
• Battery
• Green charger
• HPM-60J GreenHeart™ Stereo portable handsfree
• 3.5mm jack
• Micro USB cable
• E-manual

• Optional:
• Bluetooth™ Noise Shield Handsfree VH700
• Dual connect charger
• 4GB MicroSD card
• Car charger

Facts

• Size: 117 x 60 x 12.45 mm
• Weight: 130 grams

• Memory card support: SanDisk microSD™, up to 16 GB

• Operating system: Windows Mobile® 6.5.3

• Talk time GSM/GPRS: Up to 10 hours
• Standby time: GSM/GPRS: Up to 450hrs

• Talk time UMTS: Up to 8 hours
• Standby time: UMTS: Up to 600 hrsMusic listening time: Up to 12hrs

Availability and versions

• Networks

• UMTS HSPA 900/2100
• GSM GPRS/EDGE 850/900/1800/1900

• UMTS HSPA 850/900/2100
• GSM GPRS/EDGE 850/900/1800/1900

• Available in selected markets in Q2 2010

Colour

• Iconic Black
• White Silver

Why CBS Should Not Air The Tim Tebow Anti-Abortion Ad

Focus on the Family’s pro-life ad with Tim Tebow has drawn scorn from women’s groups. The retort, from The New York Times and others, is that CBS is providing a content-neutral forum for advocacy groups. Focus on the Family paid for the spot. Women’s groups can do the same. There is, however, a problem with that argument. The forum is not content-neutral.

CBS has refused to comment about the advertisement before it airs. The Times editorial says CBS should regulate advertisements for “accuracy and taste.” But, that’s the trouble. CBS is defining what’s tasteful and whose voice is permissible.

The network would not grant every advocacy group a 30-second spot. There’s the obvious slippery slope argument. CBS won’t be granting Al Qaeda or Neo-Nazi groups a forum, but some realistic organizations would still have difficulty. Would CBS allow marijuana legalization advocates? Would they risk offending the Jewish community by giving a Pro-Palstinian group a place? How about Tobacco companies? CBS censors ads.

Focus on the Family is a Christian group that espouses an immoderate version of the religion. The ad presents an explicitly religious view, contrary to the laws of the United States. Would CBS let fundamentalist Mormons discuss the virtues of polygamy? Would CBS let more rigid Islamic groups present an ad about the proper regulation of women in society? Does it being Christianity make such public evangelism tolerable?

This advertisement has the potential to offend large numbers of women. Whether the women’s interpretation is right or not, CBS is creating a hierarchy. The network is outlining who has a right to be offended and who doesn’t, in this case pro-choice women.

It’s similar to the United States Constitution. Fifty-five mostly God-fearing men created a government that removed God from the equation. It was not because religion was not important. It was because it was impossible to accommodate everyone, so the simplest, fairest solution was to accommodate no one.

Focus on the Family can advocate against Roe v. Wade, but offering them such a public forum will offend many people. CBS may not agree with the sentiment expressed, but airing the ad actively marginalizes a group of people. Neutrality was not allowing any advocacy ads. CBS is affording certain voices legitimacy.