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Today I was standing in a breadline. For 15 minutes, or even for 20. But the bread was warm, though. However, when I brought a long loaf home there were only warm memories about its warmth left. As warm as memories about old ladies and gentlemen who kept me company in line. There was only one young couple who were going to buy a form for pizza. The rest were passing by, to all appearances, to buy cold bread without standing in line.

According to the type of my previous occupation (namely, a bank worker, a representative of middle link of organizing structure) I had to attend seminars of different kinds.

The more companies offering accumulative life insurance programs appear in our country, the more tempting offers to change previously chosen insurer into supposedly more profitable one appear.

The Ukrainians have already tasted the forbidden fruit of ‘the Old Serpent’: at this particular moment there is a total chaos (or at least a significant mess) at the labour market and salary market of the bank sphere (and, probably, of the whole financial sector).

The most essential question for me is ‘Why have the banks recently selected so much physical persons and practically forgotten corporative clients?’

One year and a half ago I decided to purchase an automobile. As I didn’t know much about credit things, I chose the bank where I was receiving my salary, and I was 99% sure I would get a loan.

Swindling nowadays is blossoming so actively that sooner or later any common person may get hooked by the malefactors. In order to prevent such situations I’d like to share my recommendations from personal experience.

Recently my colleagues and I took part in the financial exhibition ‘MoneyExpo’ where there had been represented the services of insurance companies, banks, magazines and financial organizations.

During several recent years one of the most popular topics has become real estate as its getting is a very painful question for many people. The prices on it have been growing despite their promised decline.

Each of us at least once in our life faced with the choice of an employing company, thinking of what to pick. And if before everything was defined by the salary level and occupation only, now employees pay more and more attention to so called additional work conditions (social pack and the other immaterial welfare).

How do you think, why despite rapid development of banking and insurance markets, most of us still don’t want to hear about trusting the money to banks or insurance companies? To my mind, the roots of the problem are in 1990-ies.

Being a vehement fan of international currency market FOREX I couldn’t but pay attention to the current situation with the rate of US dollar to hryvna, or, to be more precise, I turned my eye to possible dollar divergence from its common 5.05 hrn per $1.

Adopting practices of their foreign colleagues, many of our national banks have made haste to implement such a curious product of a corporative style as uniform for workers.

A question of getting real estate (particularly, an apartment) for me personally, and for most young families as well, keeps aloof. Working in a sphere of bank business for more than three years even non-specialist in loans (who, actually, is the author of the following blog) with lively interest will easily get into details of all credit operations, interest rates, amounts of a primary fee, and schedules of paying back the loan…

There has taken place another reality-show ‘How Pinocchio was tricked out of 5 golden coins’. While the Pinocchio are writing requests to the police Alice the fox and Basilio the cat are celebrating another successful affair somewhere on the islands in the Pacific ocean.